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

Dear CFPB, I am filing a compliant on Chase Bank corporation of Texas for closing my two different Savings Account # 1 ; and Account # 2 without my knowledge not once but twice and did not communicate with me with protocol under consumer policy or procedures in correspondence with regarding my accounts as well as the money that was deposited there in the amount of {$300.00} dollars due to reasons being : 1. not accepting or honoring my Reasonable Accommodations allowed under XXXX XXXX XXXX XXXXof the state of Texas XXXX XXXX ) XXXX. ; 2.  not sending me out any messages via email or letters in the mail to my home address on file ; 3. closing my account due to fraudulent activity and identity theft on my accounts. 

The company has also mentioned to different names reporting on my account by the name of XXXX XXXX XXXX and has stated that I owe a debt, I have verbally disputed the inaccurate information that I am not the person the alleged my name to be. They have two names reporting on my account status and will not remove the incorrect name of whom ever has been using my identity, nor will they give me any proof of documentation of the the two names reporting on my accounts and/or a copy of the alleged debt attached to the inaccurate name reporting on my account so that I can dispute this once and for all. 

This corporation has caused much confusion in regards to non acknowledgement of the current XXXX and utilization of my reasonable accommodations I have the right to use under The XXXX XXXX XXXX and has displayed great discrimination for these reasons my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX EQUIFAX and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove the listed items below : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX
Product: Mortgage

On or about XXXX of 2024, I started the process to refinance my home in order to pay off debt and have a locked rate. Due to health issues, my mortgage payment was late three months in a row. In order to continue with the refinance, I had to have these late credits removed from my credit report. 
I submitted a letter to SPS, Select Portfolio Servicing explaining the situation on why these payments were late and expressed that I am trying to refinance and if they would please reverse these on my credit report. 
On XX/XX/XXXX, I received notification that my credit score had increased. I notified the new servicer that I am working with and they confirmed that these negative credit reports had been reversed and we could proceed with the refinance. 
On XX/XX/year>, I spoke with XXXX XXXX on the phone to verify these inconsistencies. XXXX XXXX did have SPS, Select Portfolio Servicing on the phone as well to review these late payments that were reversed. 
SPS confirmed they had the letter I wrote on file and confirmed that is why they reversed the negative credit on my report. They confirmed these late charges were reversed. XXXX XXXX and SPS CONFIRMED these were reversed. 
Today, XX/XX/year>, I was notified that SPS, Select Portfolio Servicing, updated my credit report and added back the late payments on to my credit. Thus halting my refinance on my mortgage. My belief is that they either fraudulently updated my credit to show the negative, or they are trying to force my to stay in the balloon loan with them to prey on myself and my mortgage. It is my belief that this predatory behavior will cause financial harm to me. 
The company : SPS, Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( They have multiple addresses )
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items/information from my credit report : Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment 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: Student loan

On XXXX XX/XX/year> I received an email from MOHELA informing me that my account was being transitioned to their new platform and this would take two weeks. I was able to log in online on XX/XX/XXXX, but did not receive notice that the transition was official until XXXX XX/XX/year>. 

During the process of transition, I lost access to all of my old account statements and have no longer been able to access them. When reviewing my account balance and payments in XXXX, it became apparent to me that MOHELA has lost at least {$600.00} of student loan payments. I called them on XXXX XXXX and XXXX XXXX requesting that they look into this and send me a history of all payments made since I am unable to download this off the old site, so I can verify which of the payments I have made was not credited to my account. They have been unable to do this twice despite promising to do within XXXX business days. On XX/XX/XXXX I received an email from MOHELA which supposedly had a link to my financial info, but it is located on their old website so I can not actually log in to access it. It is completely unacceptable that MOHELA has lost at least one of my student loan payments and after almost a month, is unable to provide details of payments they have received from me in the last year.
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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX, I called in to close my checking account. The representative told me that there was a pending transaction, a payment to a credit card at another bank. She told me that she would oversee closing my account the following day and would contact me to follow up. 

She did not close the account nor did she follow up. I have since been charged fees which made the account overdrawn. I transferred funds from another account to cover the fees while this is sorted out but it is still showing a negative balance. At no point did the representative follow up with me.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Williams & Fudge XXXX XXXX and XXXX for reporting inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 
In XXXX of 2024, I entered into a payment agreement with Williams & Fudge for a balance related to University XXXX Arizona XXXX XXXX. Since XX/XX/year>, all monthly payments of {$140.00} have been made on time, never missed, and auto-debited from my account. I have attached bank statements and Williams & Fudge 's monthly payment confirmation emails as proof. However, in XX/XX/year>, Williams & Fudge falsely reported this account as a collection to XXXX, which should not have happened since my payment plan was active before it was ever reported negatively. I disputed this with XXXX multiple times, supplying clear proof of my on-time payments, yet XXXX failed XXXX correct the reporting and continued to verify the inaccurate information, I also sent a XXXX letter to Williams & Fudge XXXX mail. This is a clear violation of FCRA Section 623 ( Duty to Provide Accurate Information ) by Williams & Fudge and FCRA Section 611 ( Failure to Conduct a proper Investigation ) by XXXX.
Product: Credit reporting or other personal consumer reports

I sent Transunion a XXXX XXXX Compliance letter disputing items. They sent me back a stall letter talking about Fair Credit Reporting Act. These are two separate things. I asked for XXXX XXXX Compliance and they refused to provide me with that compliance. Instead they tell me that the items have been verified by furnisher. I have contacted furnishers and they have no documentation that the Transunion agency gas ever contacted them. So no only is Transunion lying, they have provided me with false information, and refused to properly investigate as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my XXXX  report from XXXX XXXX XXXX  ) XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE AMEX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS AMERICAN EXPRESS, WAS OPENED FRAUDULENT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX about Your Credit Card Application Indicates a score an Experian Credit Score of XXXX. 
Experian is not reporting this score!! 
Multiple unauthorized inquiries by auto dealerships in order to attempt to acquire vehicle funding to sell vehicles. 
I DID NOT AUTHORIZE THESE INQUIRIES!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation about my collection account XXXX XXXX, XXXX is on my XXXX, Equifax and XXXX XXXX. It is shown deleted in XX/XX/2019 but the account shows closed on my XXXX  and Equifax and shows open on my XXXX XXXX account. I have proof that it was deleted from my XXXX  and Equifax through XXXX. It supposed to been deleted from my XXXX, Equifax and XXXX XXXX for good. I been fighting this for 3 years or longer with XXXX, Equifax and XXXX XXXX. The XXXX XXXX, XXXX been deleted since XX/XX/2019 its XX/XX/2019. This doesn't make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion regarding a request for the original signed verification of debt from a collection company on XX/XX/2023, and the subsequent failure to receive the requested information, leading to continued inaccurate reporting on my credit profile. 

Despite my formal request for the original signed verification of debt from the collection company via TransUnion, the requested documentation has not been provided within the stipulated time frame. This failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically the provision that requires validation of debts upon consumer request, directly affects the accuracy and completeness of my credit profile. 

Moreover, despite the absence of validated debt information, TransUnion is the only bureau that continues to inaccurately report the debt on my credit profile. The FCRA mandates accurate and verifiable reporting, and the lack of validation of the debt should not warrant its inclusion in my credit profile. 

Enclosed with this communication are copies of the initial request made to TransUnion and any subsequent correspondence for your reference and investigation. 

I am seeking the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring TransUnion 's compliance with FCRA statutes. It is crucial to rectify the inaccurate reporting and uphold the rights granted under the FCRA to ensure the accuracy and fairness of consumer credit reports. 

I kindly request the CFPB 's intervention to address this issue promptly and facilitate the
Product: Credit card or prepaid card

Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed my XXXX XXXX credit card I have with them, because of my credit report showing delinquency with other accounts that have no association with American Express XXXX My accounts is in good standing by not being in default or delinquent so adverse does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and anxiety since being stripped of my credit card, making it difficult pay bills and get gas. American Express is responsible for all damages resulting from there actions towards me.
Product: Debt collection

In XX/XX/2019, a letter was submitted to Common Wealth Financial System requesting that they verify the debt ( account ) the company has failed to provide a sign contract as requested to validate the account.
Product: Money transfer, virtual currency, or money service

I was scammed by a XXXX scammer selling products on their fake website. 
The order was supposed to be refunded after the order was placed. 
I was told to pay the amounts via paypal the friends and family feature. This feature from paypal is very misleading. 

Transaction ID : XXXX Transaction ID : XXXX Transaction ID : XXXX Transaction ID : XXXX Transaction ID : XXXX
Product: Credit card or prepaid card

I took out a loan of {$9700.00}. in XX/XX/XXXX, to fund a business I got involved in with XXXX ( XXXX XXXX XXXX XXXX ). In XX/XX/XXXX XXXX was proven to be a scam by the FTC. I contacted all the credit institutions I had borrowed from, and on the Bank of America website it directed me to contact an employee of BofA directly. I did this, and was informed by an agent here in XXXX that Bank of America would do nothing for me. I continued contacting the other banks, and have had success with most of them so far. Recently I spoke with an agent from BofA about a different matter, and the subject of this devastating scam came up. He encouraged me to contact the fraud department and re-open my claim. I was finally able to find the right link, and Bank of America sent me a very long, detailed page to fill out, which I did, and sent it to them. They have since denied my claim because I did not dispute the charge within the 3-month window that they insist on. However, I could not have done that, because XXXX had not been proven to be a scam before XX/XX/XXXX. I received none of the promised benefits from XXXX, and feel I have a valid claim to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the XXXX security breach, I attempted to place a freeze on my credit report with XXXX and TransUnion and got messages from both that it would cost me {$10.00} to do so because I live in Virginia. This is XXXX. XXXX did n't charged me to place a freeze on my credit. Furthermore, this whole mess is XXXX XXXX fault. XXXX is the one that allowed this breach to occur and it should pay for all consumers to protect themselves and any losses they incur as a result. I should not have to pay XXXX XXXX or TransUnion 's {$10.00} charge and I wo n't. So, if my credit is stolen as a result of my inability to place a freeze on my credit I will be suing both XXXX and TransUnion along with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I am a victim of identity theft and did not make the charge. I request that the items be deleted to amend my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

On  XXXX   XXXX , I attempted to make a payment to SIMPLEMOBILE*AIRTIME  XXXX  FL  XXXX  US , of  {$40.00} for a friend 's cell phone service. Immediately afterwards, I received an Email from my Credit Card company stating that I had also authorized payment of {$10.00} for International Calling, which I did not authorize.   I called my Credit Card Company, CapitalOne and I was connected to  XXXX  and I told the SimpleMobile agent that I was not authorizing the charges for either of these items. I then told th e CapitalOne age nt that I was not authorizing any charges to  XXXX , now or in the future.   However, I now see on my CapitalOne statement that  XXXX  charged my credit card twice on  XXXX   XXXX  for {$10.00}. I called  XXXX  to attempt to resolve the charges, but I was told by the SimpleMobile agent that they can do nothing unless I give them a Pin Number for the account. My friend told me that she never was given a  Pin Number whe n she set up her account with  XXXX .
Product: Debt collection

There is a collection on my credit that was fraudlently opened. I have attached a copy of my police report. This is affecting my ability to obtain a mortgage on the new home I am having built for my family.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct or remove. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX Balance : {$1200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX Balance : {$1300.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX XXXX Balance : {$1200.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX Balance : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.