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

My credit score and report were visible on XXXX XXXX for months, but XXXX day it showed XXXX and stated I had no credit file. I contacted XXXX, and they informed me they couldnt verify my identity using the information I provided. They requested verifying documents, such as my drivers license and a bill with my name and address, etc. After submitting these documents, I was told I had no credit file. I explained that I did have a credit file and had a score of XXXX on XX/XX/year>, when I checked again on XX/XX/year>, it disappeared saying it went down XXXX points. At this point, I called XXXX. XXXX advised me to contact my creditors to check if they were still reporting. I did call the ones I know and was told there were no issues. When I called XXXX again, they instructed me to obtain a control number. However, I can not access my report, so I cant contact all creditors or correct any of this information. Now, XXXX wont provide me with a copy of my credit report because they cant verify me over the phone, and when I try to create an account online to request the copy, it says I already have an account. I cant sign into that account because I didnt create it. Everyone I speak to refers me to the other party and vice versa. I believe my father used my identity to avoid paying child support and I am a victim of Identity theft. This was also relayed to all credit reporting agencies when I spoke with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove a medical debt that is under {$500.00} from my report. XXXX and XXXX have already completed this request without issue. I have sent another request for this to be removed from Equifax again. First dispute was sent on XXXX XXXX, 2023 and another dispute was sent on XXXX XXXX, 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof The following account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit provider ran my credit for a home loan without my consent.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX, XXXX and Transunion has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, XXXX and Transunions inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received a final bill from XXXX XXXX that was not correct. I disputed the charges and after almost 2 weeks of email correspondences with their collections manager, I finally received notification from their accounting department stating that they found their error and they would be sending a refund check on XXXX/XXXX/15. Included in this email was a notice from the accountant to the collection manager to remove my name from their collection agency. On Friday, XXXX XXXX I received a phone call from the National Credit Audit Corporation threatening to report my disputed balance if full payment was n't received by XXXX/XXXX/15. I tried to explain the situation and that I had an email confirming that this had been resolved to which he responded that unless he received something directly from XXXX XXXX he would pursue collections. XXXX properties collections department, who I was directly reporting to, is closed on Fridays so I emailed them explaining the situation and then have tried to call them repeatedly on Monday XXXX XXXX XXXX and Tuesday ( XXXX ) and can not get a response even after leaving multiple messages to multiple staff. When I could n't get a hold of XXXX XXXX, I contacted the collection agency to update them on my actions and at that time the representative working my account implied that I was being untruthful and again threatened to pursue collection if I did n't pay the account balance immediately. I feel that this has been turned over to collection in error. My final bill from XXXX XXXX that I was originally disputing was n't due until XXXX/XXXX/15 so even if I did n't have an email from them telling me that they found their error, I still would n't be delinquent to the point of being turned over for collection and having it reported to the credit bureau. As of this date, I have not received any mail correspondence from the collection agency which I feel does n't qualify as proper notification of a debt due. If XXXX XXXX would respond to my emails and numerous phone messages I feel this would be resolved quickly and easily by a call to the collection agency informing them that I have a zero balance due.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I have been a customer of Bank of America for XXXX years ( Preferred customer ) and I am also a former employee serving the company for almost XXXX years. I am reaching out to you as I am a victim of fraud through Bank of America. I was contacted by a person on XX/XX/year> saying they were Bank of America customer service and fraudulent activity was happening on my accout. They called from the Bank of America phone number, they announced themselves exactly like your representatives do. Additionally, they had all of my account information with the balances in my accounts. I tried to call Bank of America while I had them on the phone and I was on hold for XXXX minutes waiting for someone to take my call to verify.This tell 's me that my information was part of a breach on the bank 's behalf. The fraud took place as {$7500.00} was wired out of my son 's savings account which I am in to an account at XXXXThe law enforcement agency was able to place a hold on the funds in the account with XXXXXXXX XXXX. At no time have I received any follow up from your fraud team. I have had to chase them down to find out what is going on. I called and the representative told me that nobody has worked on this claim in XXXX months. Then a few days later I received a letter that the claim was declined and closed. I am very disappointed in the way this matter has been handled. The funds belonged to my son as he was saving for a car. He worked very hard that money. I feel Bank of America should take some responsibility as my account information was somehow comprised which seems to be a breach. All I am asking is this case be worked diligently. The law enforcement agency involved in this current matter has a grand jury supeona submitted to XXXX XXXX. It seems law enforcement is working harder on this matter than my Bank.
Product: Debt collection

Didn't receive any Information in the mail. no response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a card with false charges and they did not remove it. I contacted the credit lendor and they apologized and send a letter to the credit bureau to remove it from my credit history. I disputed it again with the help of the credit lendor. I just got notice that the credit bureau is not removing it from my report. Why when the actual credit lendor says to remove it? You can contact them as you wish, they have already sent the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account, my rights has been violated 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 an account without my written instructions.
Product: Checking or savings account

I am XXXX Lifetime, XXXX through California XXXX XXXX XXXX Retirement Lifetime Pension. 
On Thursday XXXX XXXX XXXX XXXX XXXX XXXX my pension funds to my close account in ending # XXXX and new account ending in # XXXX was implemented so my XXXX Pension would be directed and deposited and funds be available to me in my account # XXXX on XXXX XXXX. 

So l can purchase my Prescription Medications for my XXXX. 
Chase XXXX stated on recorded phone conversation on XXXX XXXX around XXXX or XXXX California time, that l have to wait for XXXX business days, so l can have my funds on my new account. 
Chase Bank administration has violated my XXXX XXXX Civil Rights Act under Department of Justice and this is a Discrimination and Retaliation against me as a XXXX Military Veteran. 
Chase bank administration shouldn't have to hold my XXXX pension funds for two days. 
They also placed overcharge fees on my new account. 
Very Urgent Matters
Product: Credit card or prepaid card

It seems that things I try to buy online randomly get block/denied even if I have enough money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my report that do not belong to me, and I want them removed immediately.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Debt collection

Advantage Financial Services/XXXX XXXX XXXX Orginal Amount of Debt : {$1300.00} Interest being charge : {$43.00} ( 12 % annual ) Received a phone call middle of XXXX to collect a payment that was charged in XXXX. I never received notification via phone or email that this debt was outstanding prior to this call. Confirmed with the representative that they had the incorrect address. A new statement was sent to correct address on XX/XX/XXXX. They are attempting to collect 12 % interest. I refuse to pay interest on a debt I was never notified on. On XXXX I called to pay original amount and close account. The account representative, XXXX, informed me that they attempted to call and that they left multiple voicemails, claiming they have been calling since XXXX. I never received a call from them until XXXX and when I asked for verificationproof of calls he stated that they are not required to do so and he told me to call back at a later date. 

I called the original provider, XXXX XXXX XXXX XXXX XXXX, they outsource the medical billing to another company called XXXX XXXX XXXX. Confirmed that they had the incorrect contact information. Attempted to pay them direclty for the orginal amount, but they claimed that they have no ability to help me now that Advantage Financial Services is involved.
Product: Student loan

Called MOHELA XX/XX/29 asking for a reinstatement of my loan, and asking to initiate a refund since I have made payments during the Covid-19 pause to eventually pay off my loan. 

The first agent said we cant do anything about it since your loan is paid off which I knew wasnt true based on other people in my shoes and their experiences. This was after a 15 minute hold. 

Then called immediately after as things didnt feel right. The next agent said we can submit this request now absolutely. She read exactly which payments I made that would be refunded. Then, she gave me a 7 day wait time for the loans to be reinstated and up to XXXX for the refunds to be processed to my bank account. It has been 15 days and my loan still isnt reinstated. 

Time is sensitive as the application portal will open soon and the loans need to be reinstated by then.
Product: Money transfer, virtual currency, or money service

well, some people I didn't know stole my money and now my situation is the bank with which I am associated doesn't want to return the money that was stolen, because the transation was made for me but i already told to the police and even with that imformation they denied my claim case and i do not receive any money.
Product: Credit reporting or other personal consumer reports

I notice that you are reporting inaccurate information in my consumer report, and it has caused me great harm, Due to the inaccurate information I am unable to purchase my home for me and my new family. I am sure youre familiar with the following UCC codes.

15 U.S. Code 1681 ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 - ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates Please provide me the date I gave you permission to report my personal information to 3rd party.

According to P.L 90-321 ( 82 State. 146 ) Any agency can only get my report in response to a request by the head or state or local child support enforcement agency ( or ) a state or local government official authorized by head of such a agency.

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

I have attached a copy of my report showing the inaccuracies.

As I stated, the inaccurate information harmed me, and my family and I am requesting that you adhere to the LAW and update this information to paid as agreed immediately.
Product: Checking or savings account

Dear Sir or Madam : I am writing to complain about UMB Bank and their unsatisfactory and unprofessional customer service regarding the delayed rollover of my Health Savings Account ( HSA ) totaling approximately {$4500.00}. I began the rollover process in early XXXX around the XXXX, but it has yet to occur. I have repeatedly called their customer service phone number and mailed them numerous forms to get my HSA rollover to process. Unfortunately, they have never completed this rollover despite my best attempts to provide them with each form that they mailed to me and I completed and mailed back to them. UMB has given me no less than four different forms to complete this process. Today, XX/XX/XXXX, I once again contacted their customer service and was told that the rollover can't occur without yet another form. UMB has not been transparent during this process and has never reached back out to me to help facilitate the rollover process whenever a new form was needed. Each time, I have had to call them after numerous weeks of no contact from UMB during the rollover process. Thank you in advance for your help to investigate my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED ALL THREE CREDIT AGENCIES, EQUIFAX, XXXX, XXXX   AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.
Product: Money transfer, virtual currency, or money service

Zelle did not give me the option to verify who I was sendin money too and was sent to wrong person. Also scam people sending money then asking for it back
Product: Money transfer, virtual currency, or money service

I sold an item, a XXXX refrigerator on XXXX. My buyer paid the correct amount into my PayPal account. PayPal will not release the funds and it saying they will not for a period of time which keeps changing. XXXX is saying that the money is not held on their end and should be released by PayPal. I feel that PayPal is somehow placing A hold on my account that is wrong and in accurate and will not release the funds ever.
Product: Mortgage

I refinainaced a mgt and loan was paid in full XX/XX/XXXX i waited for escrow refund check which never arrived. i have placed many calls into to find out where check is with call dates and NO follow back from them. calls were placed on : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( hung up on ) XX/XX/XXXX ( with MGR ), XX/XX/XXXX, XXXX, XXXX ( with mgr ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( with mgr ) XX/XX/XXXX was told check was cashed by someone else on XX/XX/XXXX i have sent in Affidavit of Unauthorized endoresment or atlered item on XX/XX/XXXX and was told check will be reissued and has NOT been. today was told would take 6-9 months and still might not get escrow refund back. 

same complaint going on still into XXXX with no escrow refund payment. 
i have contines to persure the payment as the bank said it was fraud and should have already been rerfunded. ihave called and get the same answer " that we will esculte the matter '' with nothing happening call log XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( police and postal inspection service filed ), XX/XX/XXXX, XXXX, XXXX, ( XXXX ) XXXX, XX/XX/XXXX, XX/XX/XXXX everytime told they will esculate the matter to NO avail. check was CLEARLY not deposited by me ( check included ) my last option will be tp file small claims case against SPS
Product: Credit reporting or other personal consumer reports

I was added as an authorized user many years ago to my sisters XXXX thank you preferred card ( acct ending XXXX ) when doing a home remodel project. When I refinanced my home in XX/XX/XXXXXXXX  I called to be removed because a high balance was being reported. I was informed I was removed as an authorized user and the acct would be deleted from my credit file. When I applied for a mortgage on a new home in XX/XX/XXXXXXXX  I was informed that the acct was still on my credit. Both my sister and I called to ensure I was removed again, they informed me I was removed and said they would mail a letter to confirm. We never received a letter. While applying for a HELOC last month XX/XX/XXXXXXXX  my credit report now has derogatory information from this acct as it has since gone delinquent and been charged off. On Thursday XX/XX/XXXX I was told I would need to have the primary account owner call and remove me and it would be removed. My sister, XXXX XXXX, whose account it is called and they said I was removed and would send a letter as confirmation. Today, as part of the closing on my heloc, a 3rd party company called with me on the line to confirm I was removed and have no liability to this account and was informed I was not removed and can not be removed because the accts now closed. Ive disputed with the credit bureaus but it has yet to be completely deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails equifax refused to block XXXX XXXX XXXX account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I am requesting that the {$64.00} in NSF fees be returned to my account immediately. 
I called Prime on XX/XX/XXXX to let them know that a 2nd payment was made in error. I'm on autopay and made an online payment in error. I called immediately to inform them and request that I be taken off of autopay. I asked if I would be charged again or if they would be running the payment through again and I was told that they wouldn't and there was nothing that I needed to worry about. Today, XX/XX/XXXX, I check my account and have been charged another {$32.00} fee for them trying to deduct funds again. I called to request a refund and was told to send a bank statement and a letter. With everything going on right now and my hours being cut at work I refuse to wait 30 days until a bank statements comes out to reflect NSF fees when I can simply download my online transactions through on-line banking to show their error. Nobody should have to go through that much trouble to get a fee reversed.