23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer report and noticed that you have reported an account to all three major Consumer Reporting Agencies without my permission. This action appears to lack a permissible purpose, and I was not informed of my right to opt out of such reporting. Therefore, I am writing to exercise this right and request that you cease reporting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are still several accounts and information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not intitiate these Items or authorize anyone else to do so on my behalf. It is clear that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act, section 605b, requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Checking or savings account

Hi, I am a victim of Identity theft, somebody withdrawing money from my XXXX  checking accounts, so I froze them. I gave a complaint to FTC.gov and also a police complaint. 

On XX/XX/22 and XX/XX/22 I received XXXX  letters from Citizens bank. It appears somebody got into my dormant savings account using my SSN and presented XXXX counterfeit XXXX checks with forged signature ( {$5000.00} and {$2500.00} ). As I already froze that account, those checks returned back. That impersonator withdrew {$1000.00} even before the checks were returned. So my account went to a negative balance of $ XXXX XXXX x {$20.00} return check fees. Prior to this incident, this account only has XXXX cents and it has been dormant for a long time. 

I immediately called Citizens account and reported about this fraud. Later as there was no response, I called multiple times and always they mentioned that somebody from claims department will reach out for me in 1-2 business days. No one ever called back and made multiple calls and it was the same answer all the time. They mentioned that there is no direct line to Fraud department. 

On XX/XX/XXXX, they sent me a letter stating that they are closing the claim as per my request. I went to a local branch and mentioned about this and they mentioned that they will talk to regional manager. On XX/XX/XXXXbranch manager told me that they are helpless as the claim is closed and that deficit in the account is my responsibility.
Product: Mortgage

Mortgage transferred to another servicing company ( SLS ), and have been having issues sending payments via bank check through bill pay how I generally paid mortgage without issues. Since SLS took over mortgage, I have yet to receive a statement over 60 days ; which should provide info I need to sent up bank bill pay. I have managed to send payment still through their XXXX XXXX method, but charges a fee ; which I find unnecessary. The only contact info I have and use to contact SLS was provided by previous servicing company.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the correction of late open accounts. This marks the many formal attempt to address this matter. 

As previously discussed, there appears to be an error in the opening dates of certain accounts listed on my credit report. Despite my repeated requests, the necessary corrections have not been made, and these inaccuracies continue to affect my credit history negatively. 

I kindly request that you prioritize this issue and take the appropriate steps to rectify the opening dates of the accounts in question. Ensuring the accuracy of my credit report is crucial for maintaining my financial integrity and credibility. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX  XXXX Balance : XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$520.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint againstCash app ( Block , inc ) due to inadequate customer service And unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud to their platform. Leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution was unfair and deceptive as they did not comply error resolution under the Electronic Fund Transfer Act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss. And I seek appropriate redress for the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key bank XXXX I dont recognize these inquiries in to my best of knowledge they are not mine I believe I might have been effected by a breach or information got into the wrong hands
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, an unauthorized transaction occurred on a FNB Omaha XXXX XXXX  XXXX credit card for {$55.00}, which I disputed with FNBO. Despite contacting FNBO multiple times, including on XX/XX/XXXX, to report the issue, they mishandled the case, failed to open a proper investigation, reported inaccurate late payment info on the credit bureaus, and violated the Fair Credit Reporting Act ( FCRA ) and exceeding the 30-day resolution requirement and not notifying credit bureaus of the dispute. On XX/XX/XXXX, I escalated the issue to the CFPB. On XX/XX/XXXX, FNBO admitted mishandling the dispute over the phone via XXXX XXXX XXXX ( their Fraud and disputes + investigations phone number provided by FNBO. ) As the CFPB response states : they granted a {$50.00} credit, but still left the remaining {$5.00} for the same unauthorized fraudulent transaction which resulted in multiple late payments reported. FNBO acknowledges and confirms that the address for the card with the fraud, is in fact NOT my address. They also stated it may take another 60 days to investigate from XXXX violating the FCRA XXXX I demand immediate removal of derogatory credit reporting and compliance with the law. They have identified that the address of the card is not my address. & have received a Notarized Affidavit, FTC Report, ID theft report, and written statement ; verifiable by certified mail. This {$55.00} charge is the only charge on the account. This has been ongoing for 15+ months and is damaging my credit and health & wellness . Please remove the late payments and negative remarks from the credit bureaus and data furnishers immediately ; and cease violating the FCRA, laws, and compliance. ( Previous. CFPB complaint number : XXXX ) ( FNBO Case Number : XXXX ) .... included attached is the previous CFPB report, and a copy of certified mail received by FNBO including an FTC report , ID theft report, Notarized Affidavit of truth ( legally sufficient replacement for police report ), ID verification, and relevant dispute information.
Product: Mortgage

Additional complaint based on XXXX The loan servicer responded by mail. As it was said on the letter, they admittedthat they inadvertently disbursed thetax payment. But my request for monetary compensation was declined.Before we move forward, please take a look at what I had to go through, just to fix this problem past 4 month. After making 15 phone calls over this period of time, explaining what had happened over and over, begging them to fix the problem. 
Each phone call took me somewhere between XXXX minutes to XXXX hour XXXX minutes depends on days. 
We are just ordinary people with XXXX kids, hard working parents, trying to make living with our monthly income month to month. 
Amount of stress and so many sleepless nights full of worries, being scared of loosing home. Asking to borrow money from people around.And now the mortgage loan servicer is basically saying, " Okay it was our fault, here is the money back, and we regret the inconvenience, '' That is it ... ... That is all they can do. 
What about my life being the worst for past 4 month. What about my reputation. What about those days I had to fight so hard with the stress and hardship.Please help us to get this monetary settlement. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX Acct. # : XXXX {$400.00} # XXXX {$280.00} I have disputed this account with Experian over 5 times starting XX/XX/XXXX ending in XX/XX/XXXX and it still hasn't been resolved. I have sent in a police report and also a letter from the circuit court that proves I couldn't possibly make these accounts. I was incarcerated on XX/XX/XXXX and wasn't released until the following year. I sent letters asking for proof of anything connect to me and I asked them how the account was verified, they Never let me know anything they just send an email stating that it was verified. This is my second time filing a complaint with CFPB. My next step is to hire me an attorney. Please strike and remove these accounts from m credit bureaus until adequate validation has been received proving that the account belongs to me, and all of the information is correct.
Product: Credit reporting or other personal consumer reports

ive been trying to handle this with XXXX XXXX directly however they will not abide by the fdcpa laws neither the fcra by removing this inaccurate reporting collection from my credit reports.. they are blatlenty breaking the law and refuse to clear up this matter. advanced financial refused to show me my signature validating the selling of this debt being sold to XXXX XXXXXXXX. And XXXX XXXX  can not show me my signature stated that i have a contractual obligation to pay them {$640.00}... also they are listing the account as open when this is nnot active debt... this is a very clear and blatant violation of the fdcpa and the fcra, ive even cc 'd the proof the reporting..!!! i am very stressed because they are tearing my credit apart and blatently violating the fdcpa and me as a consumer. This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Any automated response, documents without my signature for the debt be liable to me or XXXXXXXX verification is unacceptable. I am requesting a reinvestigation AND your VALID method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). i really don't want to escalate this matter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was denied credit by XXXX XXXX Bank due to the credit report supplied by the credit reporting agencies. 
I have repeatedly asked XXXX, XXXX, and TransUnion to update my credit report AND my FICO credit score due to their repeatedly failure to provide me with maximum accuracy of my credit reports per 15 USC 1681e ( b ). I have filed complaints regarding this issue since 2000 and my FICO credit score continues to suffer due to XXXX, TransUnion, and XXXX 's reckless and negligent actions. I have also repeatedly asked for XXXX, TransUnion, and XXXX to send updated FICO credit scores yet I have not received them and/or they want payment for the FICO credit scores. The current scores are inaccurate and do not reflect the updates and changes to the credit report that reflect " maximum accuracy '' under 15 USC 1681e ( b ). 
Due to XXXX, XXXX, and TransUnion repeated failures, negligence, carelessness, and recklessness to properly care for and safeguard my personal information and credit report, as well as XXXX, XXXX, and TransUnion not maintaining maximum accuracy with my credit reports, I have suffered severe financial damage by being denied personal credit and small business credit. I have also had my personal information stolen while my personal information was under the care of XXXX, XXXX, and TransUnion, multiple times in the past 8 years. My personal information and credit reports are unsafe yet I am being severely damaged and being discriminated against by continuing to be denied credit because of the inaccurate credit reports supplied by XXXX, XXXX, and TransUnion.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding zelle handling 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 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 concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and noticed that collections were being reported that I was unaware of. Initially I attempted to reach out to the credit bureaus and request they provide me with more information regarding the debt. However the bureaus ( XXXX and XXXX ) was unable to get the collection agency to verify the debt and as a result the collections were removed from my XXXX and XXXX credit report. I am now requesting that Experian follow suit and do the same as I have requested from them several times and directly from the collection agency that this debt be validated and or verified by the credit bureau. However as of date I have been unable to receive verification and/or validation of the debts being reported by XXXX XXXX and Experian still continues to report the debt on my credit report. My rights are being violated and my character is being defamed.
Product: Credit reporting or other personal consumer reports

The following accounts were included in a bankruptcy and should not be reporting with a balance. The balance should be XXXX, however, you are reporting the accounts as if I owed money, which I do not, as these were included in a bankruptcy. Please delete this false information reporting on my credit file with you immediately.
Product: Debt collection

ON XXXX CONN CREDIT I, XXXX. CALLED MY PHONE NUMBER XXXX ASKING TO SPEAK WITH XXXX. I INSTRUCTED THEM TO STOP CALLING ME, THAT THIS PHONE NUMBER IS REGISTERED ON THE DNC REGISTRY AND HAS BEEN MY PHONE NUMBER FOR OVER 5 YEARS NOW. I ASKED FOR THEIR ADDRESS, AS IT IS MY RIGHT TO SEND THEM A DISPUTE LETTER IN THE MAIL AND THE AGENT REFUSED TO GIVE ME THEIR ADDRESS. THEIR AGENT TOLD ME IT WOULD TAKE UP TO 24 HOURS FOR THE CALLS TO STOP AND THAT I WOULD NOT BE CALLED AGAIN BECAUSE THEY MADE CONTACT WITH ME. THE USED AN ATDS TO PLACE CALLS TO ME. THIS IS ILLEGAL. THEY DID NOT GIVE ME THEIR LEGAL ENTITY NAME. THEY TOLD ME THEY WERE CALLING FOR CONNS XXXX, BUT CONNS XXXX SOLD OR ASSIGNED THE CONTRACT TO CONN CREDIT I, XXXX. I DISPUTE THIS DEBT, CONDUCT AN INVESTIGATION AND SEND ME RESULTS OF THE INVESTIGATION.
Product: Debt collection

I paid XXXX XXXX XXXX directly and by law, they must recall the account from Helvey & Associates. Therefore, Helvey has no legal reason to be reporting on my credit reports and must delete.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXXXXXX XXXX XXXX with an account ending in XXXX It went delinquent in XX/XX/XXXX then they charged it off at the end of that year and filed a court case against me in XXXX of XXXX, which eventually turned into a judgement. I have paid the judgement in full, recently, but the credit is still reporting the balance owing {$6000.00}. Please see the court information and the judgement completion documentation from XXXX XXXX. They need to REMOVE THE BALANCE OWING ASAP, I am trying to purchase a home which I can not with that balance owing. 

Furthermore, it is unethical for them to both claim I owe on my credit report and dually file a judgement against me. They should have zeroed out the credit report when they were granted the judgement for the owing balance. This has been affecting my credit in 2 different ways.
Product: Credit card

Bank of America Credit Card : XXXX Exp date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXXXXXX, CO XXXX XXXX. ) On XXXX I attempted again to contact Bank of America credit card call center or disputes dept. Again, the first 30 minutes consisted of needing to make 4 separate calls due to " automatted attendent '' hanging up on me for my insistance to speak to a rep and not be looped into circles to nowhere with the auto attendant. 

XXXX. ) My objective this time was to contact the disputes department and inform them that I resolved the matter with the merchant and wish to close 1 claim. 

-This is the XX/XX/XXXX charge from " XXXX XXXX for {$74.00}. '' XXXX. ) There was a publically listed number on Bank of America 's website for a " direct phone number to the dispute department. '' It said for " non-fraud '' disputes. 

-After 30 minutes on hold it was the fraud department not claims when they answered. After he transferred me to the disputes dept. After 24 minutes someone answers. It was the disputes dept who told me he can't process this as his computer is down or had some other issue he did not say.

-Again, after being on the phone for approximately 1.5 hours, he transfers me again and emphasizes that is the department to help with this matter.

-20 minutes later the next department answers. It is the fraud dept again. Apparently, the specialist working in disputes could not process a simple disputes matter and sends me over to the fraud dept ; right where I began 1 hour earlier. 

4. ) I've exhausted the time a reasonable person can take for an incredibly simple matter. 

-Please cancel my claim with XXXX XXXX charged on XX/XX/XXXX in the amount of {$74.00}. 

5. ) The public, your customers and I are on to the fact you do not want customers to contact you to solve this inquiries with an " artificial wall '' you use to block people from making contact including how you program your app to just hang up on someone who is prompting the system to transfer to your general call center vs repeat the same answers the robot never understands and misdirects the call to nowhere. 

However, this is extremely pathetic. 

If you have invested so much into avoiding talking to customer and avoiding handling the matters they need help on in their financial accounts, you should set up a self-serve option so customers can do all this themselves. Your mobile app you push everyone to does not handle most matters I need to contact your company about regarding my financial accounts. 

>>>So this issue is clear. This is not an isolated incident or experience. This is what has happened 95 % of the time I have called Bank of America for anything over the last 7-10 years as a customer.
Product: Payday loan, title loan, or personal loan

The company has been harassing me at my employment about paying the bill on the loan. I have expressed to them that I am not working as often and I am ill, in and out of the hospital. I did not and do not give them permission to harass me and nor my family about calling me about this loan. I am requesting that they set up a payment plan that is affordable to me at this time. I do not have a problem paying the bill, but I will NOT accept them harassing me.