23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have 3 US Bank Business credit cards. The way the online system is setup - it's way too confusing for anybody to understand how to make payment?, what is the balance? and is there any fees being charged or not? 

For more than 6 months, I suffered from this. Finally US Bank assured me that they will make a separate billing for all the business credit cards but nothing was done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like XXXX and XXXX XXXX. But even i can not get how to deal with this US Bank. 

Everybody I know working in IT for US Bank are the most in capable people. Support is good for nothing. 

I called them during last 4 days - they were clueless. 

What I want? 
Simple billing No fees if they are not telling me that i owe something to them consolidate all my rewards so that i can use them. 
In the end I want to close all these headache US Bank credit cards. I believe life is too short and i should not waste with US Bank customer service.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate information on my credit reports related to debts that were publicly declared as paid in full. On XX/XX/XXXX, a " Notice to Creditors '' was published in the XXXX XXXX XXXX, confirming that all debts belonging to XXXX XXXX XXXX had been resolved. This notice ran multiple times until XX/XX/XXXX. Despite this, the debts remain listed on my credit reports, which unfairly impacts my creditworthiness. 

To address this issue, I filed disputes with the credit reporting agencies ( XXXX XXXX, XXXX, XXXX, and TransUnion ) and provided them with the official advertisement proof as evidence. However, the credit bureaus failed to update or remove the inaccurate information from my credit reports. This lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires the agencies to investigate and correct inaccurate information in a timely manner. 

The debts listed on my reports have been fully resolved, as verified by the public notice, and the continued reporting of these debts as unpaid is misleading and harmful. I am seeking the removal or accurate updating of these accounts to reflect their true status. 

I hope this description helps others who may face similar issues and encourages companies to comply with their legal obligations under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

You have have reported transactions on my credit profile between myself XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, according to the FCRA to 15 USC 1681a ( 2 ) ( a ) ( 1 ) except as provided in paragraph 3, the term consumer report does include reports contain information solely as to transaction. My transaction history between I and the creditors are EXCLUDED from the consumer report. Delete all these alleged late payments, ALL items marked late as demanded. My federally protected consumer rights are being violated. I am being harmed financially, emotionally and physically due to these unfair and defamatory remarks. On several occasions I have demanded that the credit reporting agency uphold 15 USC 1681 that my privacy be respected the financial institutions have all failed to provide disclosure 15 USC 6802 Gramm Leech Bliley act, that would allow me to opt out of reporting transactions. we are in an arbitration and there is a charge off from XXXX on my credit profile. I demand that it be taken off. This is my final notice before filing a law suit for injury. I have not been able to find stable housing due to your defamation of charter on my credit profile and I have filed with the FTC aggravated identity theft. As you are acting as the one whom knows more than me what is and what is not valid on my credit report. Although I have disputed According to 15 U.S.C. 1692 ( e ) ( 1 ) is a subsection of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. Specifically, this subsection provides that a debt collector may not : " ( 1 ) use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) The false representation of -- ( i ) the character, amount, or legal status of any debt; or ( ii ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ''
Product: Debt collection

on XX/XX/2021, I sent a letter to Convergent Outsourcing requesting requesting legal documents about this alleged debt they claim I owe them. I am not liable for this debt with XXXX and I do not have a contract with Convergent Outsourcing. In addition, they did not provide me with the original application like I asked them. They sent me some statements, but fail to provide me with the original application therefore they need to delete this account from my credit reports
Product: Credit card or prepaid card

On JulyXX/XX/2021, I pulled my credit report from XXXX and immediately discovered that my identity was compromised. I filed a police report, an identity theft report, dispute with the credit bureaus, and sent letters to all of the creditors. 

All of the creditors in question removed the fraudulent accounts except for Discover Bank. They are refusing to acknowledge that I am a victim of identity theft. All of the accounts were opened when I was a minor child, approximately XXXX years old. Discover Bank was sent numerous documents validating my age at the time they claimed the account was opened yet they refuse to acknowledge the documents and refuse to remove this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX We contacted Wells Fargo bank in an attempt to ask for help with possibly reducing our monthly bill and getting our account on track ( we had been behind on payments ). We spoke to the customer service rep who helped us initially get into the COVID-19 program with Wells Fargo. We were able to get our monthly payment to a more manageable number. During that call we were not notified that we had to pay any past due balance. 

We followed Wells Fargo 's instructions to a T. We made our next scheduled payment on time ( In XX/XX/XXXX ). When we called to make the payment in XX/XX/XXXX were spoke to customer service again because when we went to pay the bill we saw a past due amount on the account. We called again and asked what we actually need to pay. The rep sounded confused but added that we pay the new payment amount that was agreed upon last time we spoke to Wells Fargo in XXXX. We accepted what Wells Fargo told us at that time and made our payment. Just shortly after that we were notified by our credit monitoring service that we had a negative report show up on our credit report. I saw it was from Wells Fargo and I was VERY ANGRY. We called Wells Fargo immediately and initiated an investigation into the first call. The supervisor I spoke to advised he would investigate the calls we made and listen to the recordings and then get back to me by the end of the week. We are now at least 2 weeks past that date. I wrote a letter to the Wells Fargo Executive office and advised how we had been treated by Wells Fargo and that we had not recieved any help with our situation.

I find that it was very unfair that Wells Fargo would ding us on our credit, it was not made clear to us that we would still owe a past due amount at the time of the first call. If we were made aware we definitely would have paid the past due amount at that time. I am requesting that the last 2 late payments for XXXX and XX/XX/2021 to be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently read over my consumer file and I noticed that was some information on my consumer that needs to be deleted. Both invalid addresses and Names are need to removed from my consumer file immediately.
Product: Money transfer, virtual currency, or money service

I received a cashiers check for a car sale for {$17000.00}. The buyers came out from Missouri with a cashier check from XXXX XXXX. Addressed to myself and the Vin #  of the car in the memo. 
I am a XXXX member with Chase Bank, so I trust them with my money. 
I deposited the cashiers check on XX/XX/XXXX at my local Chase Bank in XXXX, Kentucky. No questions were asked from the teller. I did inform her I just sold my car and she informed me the funds would be available soon. 
On XX/XX/XXXX I happened to check my bank statement online to see the {$17000.00} refunded. I called Chase immediately and all they told me that it had been refunded.

I drove to the chase bank I had made the physical deposit and spoke to their acting manager. She was able to pull up the check and told me someone higher up in Chase deemed the check altered. I informed her this was for selling my car and that I no longer had the car in my possession. I also informed her that the buyer stated his loan account was not active and that is why the cashier check did not go through. I was already under stress with thinking I was just scammed but the acting manager reassured me things were likely fine and that his bank would sort it out. 

XX/XX/XXXX I ended up calling the bank on the cashier check myself and gave them the check #. Their teller informed me that the check was a fraudulent check and was not one of theirs. 

I was furious. I was just scammed out of {$17000.00} and lost my car. I immediately filed a police report and went to another Chase bank and spoke to their manager who immediately saw what the check was missing. He admitted that the teller should have caught this mistake. 
I am baffled as to why Chase did not call this other bank to verify the funds when I was depositing that day? I have not been able to sleep or do anything but worry. I have been doing my own investigation on the case, and feel if Chase would have caught this back on XX/XX/XXXX I would have been able to start looking for my car sooner.
Product: Credit reporting or other personal consumer reports

THIRD PARTY- EXPERIAN XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!
Product: Debt collection

XXXX XXXX aka Direct Recovery Services calls my phone back to back to back if I do not answer. I was at work and they called 3 times within 5 minutes. I called the number back and a rude male begin yelling at me and when I told him not to call me back to back he threatened to sue me for a XXXX XXXX XXXX debt. I hung up on him and he calls me right back from another number. I attached the screenshot on the XX/XX/XXXX. This happens daily the back to back calls. So today XX/XX/XXXX they called 3 times between the hours of XXXX-XXXX I finally answer and advised the guy by the name of XXXX XXXX not to call me back to back and I advised him how many times they have called today he brushed off the fact that they are doing this. They constantly call from different numbers. So my XXXX year old daughter who is a XXXX XXXX XXXX and work part time come home from work and advised me that they have been calling her as well. I have printed out the screenshot of the calls for us both. They are harassing me over a debt I don't even owe. This can not be legal.
Product: Checking or savings account

After having to review my bank statements and my employment security department income earnings for XXXX and XXXX possibly even at earlier years. so far I have noticed that my income earnings for those years do not match my bank statement deposits in XXXX I made XXXX in earnings and my bank statement only show XXXX $ deposited and in XXXX I made XXXX but bank only shows XXXX $ deposited I'm wondering what happened to the rest of the money and why the bank did not notify me if there were any fraudulent transactions or why there's not even any suspicious activity reports under my account if there was red flags only someone working for the bank could have hidden this activity and keept me from finding out and my deposits make little sense I believe someone had been altering my statements and had taken funds from my bank account I also noticed a bunch of transactions that were not my own that were not corrected when I brought them to the banks attention and reported my ATM card stolen or that the bank supplied someone else with another card. To my knowlege I should have up to 6 deposits in checks and direct deposits every month but I have unexplained mixed up deposits of counter credit witch to my knowlege after googling it means cash deposits wich looks to me like someone hid the rest of my money one way or another and keept it from me I just found this out and would like to resolve this problem since bank of America was the only bank I had banked with and keept my money in to find out they weren't even responsible with my funds and even closed my account yearst later.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated.the inaccuracies are highly injurious to my credit score XXXX XXXX account # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, SUBSECTION A-D please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one auto finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I do not have an account with XXXX XXXX XXXX XXXX. I have contacted them multiple times to let them know that the account does not belong to me. Also, these inquiries are unauthorized and I'm a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681i ( FCRA ) - dispute procedure for inaccurate information. 15 usc 1692e ( FCRA ) - prohibits false or misleading collection practices.

Under Section 616 and Section 617 of the FCRA, if a credit bureau or creditor willfully or negligently violates the FCRA by failing to remove fraudulent inquiries or handle disputes properly, consumers may be entitled to actual damages or statutory damages and may seek legal action.

In the event that the credit reporting agencies choose to affirm the issues I request proof of validation for all matters presented.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that i have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records on my credit file at all time. Please update my personal information to reflect accurate records only. 
DELETE ADDED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX  XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>. ( EXPERIAN ) ADD ACCURATE ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX CA XXXX. DELETE INACCURATE EMPLOYER : XXXX XXXX XXXX. 

Please see attached identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX transferred my account to XXXX XXXX XXXX without notifying me via email that a transfer would take place. Neither XXXX XXXX nor XXXX XXXX XXXX   provided me written documentation of the transfer or new payment plan to my current address and thus I was marked late by 30 days of payment. I spoke with XXXX XXXX XXXX and they admitted that many other borrowers had this problem, but XXXX XXXX XXXX stated that they could do nothing to rectify the reporting of the late payment to the credit bureau. I paid off the account in full when I discovered the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX had a massive data breech, and they sent me a letter saying that my information was compromised. Also, my credit monitoring service reported that my information was leaked on XXXX XXXX XXXX XXXX XX/XX/year>, XXXX  on XX/XX/year>, and XXXXXXXX XXXX XXXX These are all large, recognized organization, which these data breech have widely been reported. After the XXXX XXXX XXXX breech I noticed unusual reports on my credit, and I have started to take action on this identity theft issue on my credit profile.
Product: Mortgage

After a forbearance period in XX/XX/XXXX, I contacted my point of contact, XXXX XXXX, on XX/XX/XXXX at Shellpoint/ Newrez and let her know that I still hadnt found employment. I was told on a recorded line that I would be put on a traditional forbearance that would allow me 3 more months to find unemployment and we would touch base after the 3 months to see if there were other options available if I still hadnt found employment. In XXXX I received a late payment for XXXX. I tried contacting XXXX to find out why I was receiving a late payment if I was on forbearance. To this day, XX/XX/XXXX, I still havent heard back from XXXX. I was informed XXXX that she moved to a different department 2 days after our conversation on XXXX. However, I ended up with a new point of contact, XXXX XXXX, who emailed me that I would qualify for those months to be moved to the end of my loan on XXXX and that I could resume payments on XX/XX/XXXX, and on XXXX, I was informed by his manager that if I wait until XXXX to resume those payments, that I would be in pre-foreclosure. I have been misinformed for months, until this has taking a toll on my health. First, being late due to a foreclosure that I was told that I was under that never took place, to now being on a foreclosure because, again, I was misinformed with a clear detailed email that I would not have to resume payments until XX/XX/XXXX. All that i am receiving is apologies, but my home is at risk of being foreclosed. I am in desperate need of help.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies. I have contacted your offices to dispute and emphasize that the inquiries and accounts appearing on my consumer report are unauthorized and were reported without my permission or consent. I wish to underscore that this situation falls under the category of Aggravated Identity Theft, as defined by 18 U.S. Code 1028A. Your immediate attention to rectify this matter in compliance with legal requirements is appreciated. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

received an outdated collection bill on behalf of Att end of XXXX dated XX/XX/XXXX that was reported to the credit bureaus for XXXX $ Called No answer Around XX/XX/XXXX th I received an outdated bill from Sequium on  behalf of XXXX for. XXXX dated XX/XX/XXXX stating that I had 30 to dispute the validity of the bill. I called and called no answer it was already past 30 days when I talked to someone they said well we sent it out on XX/XX/XXXX th which isn't true. I contacted XXXX directly and they said I could pay them directly that Friday. Before I could pay I got an alert that Sequium reported a collection on the XXXX App XX/XX/XXXX a day before the alleged mailing. I sent a verification letter immediately no response as of date. Because I am in the process of trying to buy a home I relented and payed on XX/XX/XXXX th after I called and explained the error in dates on my letter and when I actually received it. I was rudely told after my request that we don't honor pay to delete. I feel that I was set up to get a mark on my report to get me to pay a debt without a fair chance. And I am requesting that it be removed from my credit report since I did not owe the collection agency in the first place I had no contract on writing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I've talked to the furnisher and they've agreed to correct the account. But then Transunion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. When questioned why they're not accepting the dispute letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. The account below needs to be corrected : 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 CFB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users very vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in fraudulent accounts being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report. 
Fraudulent Account to Be Deleted : Creditor Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1000.00}