23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everytime i try and lift a temporary security freeze, they make me call in. I call in and nobody answers. I then have to send in my personal identity documents. This has happened several times. Why is it they make it as difficult as possible? I believe they are doing this intentionally so that they will get people to subscribe to their paid XXXX XXXX XXXX. I dont have this issue with XXXX or XXXX. Just Equifax. Always Equifax is problematic.
Product: Bank account or service

Citi opened an account XXXX/XXXX/16 using my name, but it was n't me. XXXX alerted me. Citi says to correct the problem, I have to go to a bank branch, but I live in XXXX, and there is no Citi branch in XXXX, XXXX, or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in letters to credit bureaus about fraud on my reports and only get back they verified it. i asked for proof of verifications along with my signatures which have never been provided to me. It is ruining my life and name and just want it resolved. I have filed a police report also with XXXX XXXX XXXX XXXX REPORT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

since XXXX bank of america has charged my credit card account to XXXX do not owe B of A XXXX say they revoked my previous fraud award monioes this year XXXX some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXX originally tried to purchase the 3 days of XXXX with bankamericard which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for male XXXX enhancement drug which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

BK XXXX XXXX XXXX has been DISCHARGED and continues to show twice in Experian- 1 as reporting negative and one DISCHARGED.
Product: Checking or savings account

I'm almost XXXX and I have XXXX   and had multiple XXXX XXXX   and have been treated with disrespect and my funds have been held by Citizens bank. This bank never emailed ( because was online savings ) called or sent any notice whatsoever. I opened Citizens Access savings about one month ago online and made initial deposit from XXXX. XXXX told me Citizens contacted them to confirm information. After more than dozen calls to Citizens, I was finally told just yesterday that they suspected account ( Because I deposited funds and now were making payment, etc??? ) and would returned all funds to XXXX. This caused my credit card payments and another transfer to be cancelled and caused many fees and interest because they were not completed, as I did and trusted with Citizens Bank. My wife was skeptical in having this account, with no actual Branch and I should have listen to her. 

I called Citizens several times just to be told theres nothing that can be done. Can this matter be brought up to executives in the bank please?? It is just terrible that now my credit history is bad, and I had occurred over 300 in fees and have no access to the initial deposit plus interest funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance {$1500.00}.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP
Product: Checking or savings account

I have banked with American Express National Bank for years. I recently added my son, XXXX XXXX, to my account as a sub account holder. XXXX also recently started a job at the same place where I work. i was out of town this weekend and noticed that my account had been frozen and when I called, they informed me that is was 'Under reivew XXXX and they would let me know their decision in 2-3 business days, in the meantime giving me no access to my only source of income and leaving me stranded without funds. They gave me no reason as to why and there was absolutely no email, call, txt or any form of communication letting me know that my account was going to be reviewed which goes against their own privacy and procedure policy. The only reason I could think of that they would review my account was because my sons direct deposit was put into my account but since he is on the account there should have been no issues and it is ridiculous that they would hold my entire account for what could have been resolved with a simple phone call. This is my only source of income and now they have taken my access to my funds and I need this resolved immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was approved for a business auto loan by Bank of America. I took the attached pre approval to dealership XXXX XXXX XXXX XXXX  and they took it upon their self to apply for me another application with Bank of America. 
The reason for me taking the business pre approval was so that it wouldnt show on my personal credit report. Ive noticed that it is showing on my personal report. Ive called and spoke to finance XXXX XXXX, she stated theres nothing she can do and mark has still failed to return my call. 
Bank of America says there was a whole nother application opened under my personal I did not give them permission to do that they should have used the pre approval that was presented.
Product: Debt collection

On XX/XX/24 i have a collection for XXXX on my credit report from XXXX. I dont know how it happened because I never had a contract with XXXX and this is identity XXXX. Please contact them so they can stop damaging my name.
Product: Credit reporting or other personal consumer reports

Not allowing me access to my credit files that I requested. Im applying for a car loan and these companies are reporting incorrect info to lower my score. The FTC needs to investigate them.
Product: Vehicle loan or lease

On XX/XX/2020, I contacted Westlake Financial by calling XXXX to ask for 2 months deferment of my payments because I have been impacted by the Covid19 virus. I even spoke to a manager explaining to her in detail that I am economically impacted by the Covid19 virus. The manager would not assist me even after I informed her that I have been impacted by the Covid19. She stated that there is nothing they can do for me. This immediately caused anxiety and caused my blood pressure to rise. How can they not assist their customers with help during this emergency situation? This is unethical and inhumane. I am not running away from my responsibility I am financially hurting due to the Covid19 virus and asking for assistance so that I can keep my vehicle.
Product: Debt collection

I am writing to dispute the claim that the collection on my account was referred to a XXXX  collection agency JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX XXXX, XXXX in the amount of {$5300.00} under account number XXXX I recently received a notice from this office stating that the collection on my account was referred to a XXXX collection agency, but I believe this information to be inaccurate. 

I have been diligently monitoring my credit report and have not seen any indication of a XXXX collection agency being involved in the collection process.As per 15 usc 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, I kindly request that you investigate this issue further and provide me with any documentation or evidence that supports the claim that the collection on my account was referred to a XXXX collection agency. I am confident that upon review, you will find that this information is incorrect. 

I appreciate your prompt attention to this matter and look forward to receiving a response from your office in a timely manner. Thank you for your assistance in resolving this dispute.
Product: Credit reporting or other personal consumer reports

There are ( 2 ) fraudulent hard inquiries on my Transunion credit report. This was due to identity theft. I have attached an FTC report I sent to Transunion 3 weeks ago. Transunion has failed to locate the certified mail copy of the FTC report sent in. These hard inquiries are not mine and I have not applied to either of the two companies. I have listed below the ( 2 ) hard inquiries.

I have called Transunion more than a dozen times trying to resolve this issue. Ive requested updates on this dispute and documentation. Transunion has failed me as a consumer. Ive disputed this matter over 90 days ago. Transunion did not honor their 30 day dispute policy. I need the help of the CFPB with helping me resolve this matter. 

Hard inquiries : XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have health care insurance I assume they had paid my medical bill but after a follow up contacting them and insurance company I spoke with them and they are paid they paid the amount of bill but she said the company they used charged me {$600.00} this whats left after insurance paid over {$1700.00} dollars. Reporting agency has not or will not update status until the receive from me {$600.00} XXXX XXXX wont pay leaves me on the hook for {$600.00} because XXXX XXXX only received the amount owed on bill I have XXXX XXXX  insurance.
Product: Debt collection

While looking over my credit report I noticed an account that has already been paid in full and i reached out to the company Resurgent to get it removed from my credit report!!! They have not responded yet and I would like for this to be resolved immediately
Product: Credit reporting

I would like to enter a complaint against Credit Management L.P. They changed the billing name from Credit Management to XXXX ( Formally XXXX ) on XXXX XXXX refuses to remove the bill despite being paid in full Ref. # XXXX claim they have not been notified by Credit Management L.P. ( In their defense Credit Management L.P. did notify XXXX and XXXX. Both company 's removed the erroneous bill ) I complained about XXXX and got no where. I called a attorney and was advised to refile my complaint against the original billing company, that would be Credit Management L.P. YOU have my full permission to contact XXXX to verify XXXX changed the billing company name after they where notified to remove it however, Credit Management L.P. is the reporting agency that is why this complaint is against them on behalf of XXXX their Client!!
Product: Money transfer, virtual currency, or money service

My Bank ( XXXX ) has sent multiple recall requests and Bank of America still hasn't respond the recall. XXXX XXXX XXXX of Bank of America did a Wire fraud scam impersonating XXXX XXXX XXXX an real estate investor and committing a federal scam. Scamming me out of a total of {$9000.00}. My bank XXXX requested numerous of times to Bank of America along with the police report the circumstance and and Bank of America refused to their further investigation to give me my funds back. This scam of {$9000.00} has put me in a bind financially with the owner of the property and financially. 

I met XXXX XXXX XXXX late XXXX at XXXX XXXX XXXX XXXX in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a Real Estate Investor with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from Bank of America, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His XXXX, and XXXX XXXX XXXX Bank of America information ( routing and account no. ) I filed wired fraud investigation with my bank XXXX and filed a police report. I have all documentation needed.
Product: Vehicle loan or lease

Most importantly Ive never had credit and someone is using my social security because I keep getting alerts about things that I have no idea whats it about. School loans are already closed and they still show on my credit report. There is a car company asking me for money I dont owe anyone anything so how does this reflect on my credit. They said they will fix the problems and nothing is happening. I need someone to look into this XXXX XXXX XXXX is more than 7 years old from CT and its still showing on my credit report. I full complaints and nothing is being handled. I mail letters and call the credit agency I ask for fraud alerts and nothing is being done. How can someone keep using my social security. Please contact me email. XXXX XXXX
Product: Mortgage

In Violation of 1024.17 ( c ) ( 7 ) In Violation of 1024.17 ( c ) ( 6 ) XX/XX/XXXX : Called Nationstar LLC d.b.a Mr. Cooper, because the escrow shortage in the escrow analysis carried mayor discrepancies and escrow deposits for XXXX did not match the transactions/payment history statement. 

The representative did agree that the escrow shortage was too high and said that she would request a new escrow analysis to fix it and would call me the next morning. 

XX/XX/XXXX : Pending New Escrow Analysis
Product: Payday loan, title loan, or personal loan

We cancelled the contract as we never took delivery of the piano. The company XXXX XXXX now owned by Synchrony Bank did not cancel the contract when notified by the vendor XXXX XXXX for three weeks. This is also after I spoke with a customer service rep and told them I did not take delivery and to cancel my payments. I cancelled the aagrement in the end of XXXX after making the XXXX payment. I was told that since I had a an autmatic payment they had to take the payment in XXXX as well. Then after accepting the cancelled contact they as if today have not sent me a check for the payments we made before and after the cancellation which they continued to take. I have repeatedly asked to speak to a supervisor, and no one has ever called back. I am told they mailed a check from XXXX XXXX on XXXX and it should take up to three weeks for it to be received in XXXX XXXX. It is over three weeks I have not received my money back, and have had zero communication from anyone in authority. 

UPDATE - Last night ireceived the check which was drawn on XX/XX/XXXX as I was informed but the postmark on the envelope shows the check was mailed XX/XX/XXXX. they delibetrately held the check for over three weeks before sending it to me.

I am fortruantely in a position where the money was not needed, but I am writing this specifically that they should be sanctioned or otherwise investigated as this is obviously a policy of the banks. As I was repeatedly told it takes up to three weeks from when it is mailed to arrive. They have conditioned their customer wservice people to use this line over and over as I have heard it for the last three weeks on numerous occasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern, I had to ask for the CFPBs assistance for I am worried that my letter is being ignored since I have not received any response from your company. I was requesting for some negative items to be verified and be deleted but from XX/XX/2021 until this date, it's been over a month but I never received any letter or notification from your company.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( XXXX ) with XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Original creditor XXXX XXXX XXXX XXXX. Balance {$640.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX, Account info Account number XXXX Balance detail, Original balance, {$11000.00} XXXX XXXX XXXX  Account info, Account number, XXXX Balance {$840.00}, Balance updated, XX/XX/XXXX XXXX XXXX XXXX, Balance {$1100.00}, Balance updated, XX/XX/XXXXXXXX XXXX XXXX XXXX, Balance {$480.00}, Balance updated, XX/XX/XXXX I never gave anyone consent or permission to sell my information which is against the law to do so The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 finding 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 and consumers safety.
Product: Credit card

I have talk to Capital One on XXXX XXXX about a late charge on my credit report that shows that I was late on XX/XX/2023. I do not remember that I was even late. That was the time I was in the Hospital. They tole me that it was mine. I asked for a courtesy to delete that one as I only have one and having six other accounts and no late. I was told that it was against THE LAW.
Product: Debt collection

Amex smeared my name and reputation when they hired a crook Remove me from all debt collection