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

I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX Please review documents attached and other complaint.
Product: Credit reporting

I 've had a loan with XXXX since XX/XX/XXXX and have paid every month on time. On my credit reports XXXX is reporting no payments from XX/XX/XXXX to XX/XX/XXXX. I have called and written them and they wo n't change the reporting. They say they ca n't report my payments because I was in Bankruptcy. That does n't prevent them now from reporting the on time payments I made every month. I know during a bankruptcy creditors ca n't try to collect but this issue is nothing like that. I paid on time and the credit reporting should reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax on XX/XX/21 regarding fraudulent student loans that were defaulted under my name. I am a XXXX XXXX and the government paid for my schooling. I sent them an identity theft report, my ssn card, my id, and 2 proofs of address. They did not remove the accounts, nor did I receive correspondence on why they left 4 fraudulent accounts on my credit.
Product: Debt collection

CDI is trying to collect debt which is not mine. I am not liable for this debt. I did not sign, oral, or implied to be responsible for a work related accident. I was ordered to have the ambulance my former employer called, when toxic chemicals were released in the workplace. I did not call the ambulance for service. I since recovered and all medical bills have been paid for this work related accident by the insurance, however, this creditor " XXXX XXXX XXXX " did not file a lien against the workers compensation case to get paid. I gave them all the information and yet they did not file a lien and said they have no one in the office that knows workers compensation procedures. I even sent them the forms to file a lien and told them when the case is closed the insurance must pay them before the case can be closed. They did nothing and now they are coming after me for their incompetence. They insist that I must pay and threaten me with legal action, and ruining my credit. I asked them to remove them adverse erroneous information from my credit report but they do not.
Product: Credit reporting or other personal consumer reports

I believe that the reporting of these late payments is not only inaccurate but constitutes a violation of federal law, amounting to extortion and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC SYSTEMS IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit
Product: Money transfer, virtual currency, or money service

I have had an account with Venmo for over 2 years. I was using the funds I had available to use in my account. The funds were from a check I cashed from a donation from the vfw. I went to a few different stores the next 2 days where I never spent over {$150.00} and that was for groceries. Later that night I added my new debit card linked to the same bank I have used so I could transfer the remaining balance into my bank account. That is when I learned that my account was suspended. I submitted my ID as requested by Venmo and then reached out to customer service where they said they created a ticket and escalated my issue. It has now been 4 days and I have no resolution, no idea why my account was suspended and I dont have any money to my name. I am not able to work due to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and rely on what little money we can get.
Product: Checking or savings account

I contacted Wells Fargo on XXXX XXXX in regards to a fraudulent charge from a merchant. I did not authorize this charge. The first time I called, the rep told me he was taking the notes in regards to the transaction, but the second time, I called, I was told he had not, I had to explain what happened again, I was told, you will receive a provisional credit until the case is resolved.I havent received any credit, and the bank still has it a pending status since XXXX. I contacted them this morning, and ask about the provisional credit. He attempted to do it, but could not because it was still in a pending status. The bank rep, told me the charge should no longer should been in a pending status, but dropped and put back into my account. He was unable to correct the problem.
Product: Credit card

My original complaint # XXXX was responded to in writing on XX/XX/2023 indicating that the credit inquiry and account would be DELETED from my credit report at all three bureaus within 30 days. 

I pulled a copy of all 3 of my credit reports through XXXX and they still show the account and inquiry and the account simply shows CLOSED. That is NOT the resolution I was promised back in XXXX. 

Macy 's needs to make this right. They need to do what they promised and at this point they need to provide me some kind of compensation for not doing what they promised. 

This was an illegal pull of my consumer report and their employee not once, not twice, but THREE times assured me that they were reinstating an old account and that NO hard pull to my credit report would be made. I had a friend with me at the time who can testify to the same. I am outraged that a company the size of Macy 's has had 5 months now to get this rectified and has not done so.
Product: Debt collection

*****COMENITY BANK/VICTORIA SECRET IS IN NONCOMPLIANCE OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809***** I AM THE CONSUMER. I sent COMENITY BANK/VICTORIA SECRET my official notice on XX/XX/2022 to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of COMENITY BANK/VICTORIA SECRET . COMENITY BANK/VICTORIA SECRET continues to disclose my Nonpublic Personal Information to nonaffiliated consumer reporting agencies and resellers. COMENITY BANK/VICTORIA SECRET also did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of COMENITY BANK/VICTORIA SECRET disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to COMENITY BANK/VICTORIA SECRET unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice COMENITY BANK/VICTORIA SECRET or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to XXXX2 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect COMENITY BANK/VICTORIA SECRET to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect COMENITY BANK/VICTORIA SECRET to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. COMENITY BANK/VICTORIA SECRET can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party. Remove my XXXX XXXX XXXX from any and all nonaffiliated third parties consumer reporting agencies and resellers immediately.
Product: Debt collection

Requested debt validation letter for fraud debt as account was opened in XXXX  when consumer was a minor in high school and had access to credit. Reporting agency failed to release any information validating debt and credit company has no information on creation of account. Account has been under dispute for XXXX  years now and has yet to be reviewed. Company has refused to review information
Product: Credit card

Well Fargo opened up a credit card account in my name without an application from me or approval from me saying I wanted a credit card account with them. After researching this seems like something they've done in the past to people.
Product: Mortgage

I have been fighting with mr.cooper for almost 2 years over a mistake THEY ADMITTED they made. Without going into full detail Ill briefly describe what Im mean .. my mortgage has never been late Ive never missed a payment until XXXX. Mr.cooper graciously refunded me money and when I called and asked what was that for i was told it was an overpayment in my escrow account. Later to only find out they had not paid the full amount for my school tax that year in result wanting to raise my payment to make up the difference for their mistake. I refused and was told I could do a loan modification application which I did 12 times.. that is a whole complete ordeal in itself. Each time completing this application only to be told it was closed just outside of the so called 37 days the application was good for. I have proof I emailed and emailed all the correct documents MANY times only to be told I needed to do it again! My home is currently in foreclosure because of this disaster. All I want to to save my home.. I only owe XXXX $ and because of this I cant even borrow the money to just pay it off. I have done research and found the complaints and courts documents on this case against me.cooper and most everything in it they have or are doing to me. I forgot to mention as of XXXX XXXX mr.cooper sold my loan to XXXXXXXX XXXX now I have to deal with this all over again. Mr.cooper did not send all the information they already had like they said they would. Please please help me. I do not want to get rich I just want to save my home and get out mr.coopers clutches. 
Thank you
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. have never been late on payments for the account XXXX XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc some 180 days us dept of ed XXXX XXXX XXXX XXXX removed and put back on unlaw act violations of FTC CFPB and other government agency pick one
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXXXXXX XXXX USA N it is reporting as delinquent when I have never missed a payment and all my payments have been on time. Under all XXXX bureaus account # XXXX it is reporting that in 2021 XXXX, XXXX, XXXX, and XXXX respectively I have had 30 day, 60 day, 90 day, and 120 day late payments when this is not true and is 100 % inaccurate. I have been current and up to date on my credit card as it is only a {$500.00} limit and due to this discrepancy it is severely affecting my credit where I am trying to go for an apartment and I can not get approved for anything due to these disastrous days late that are severely affecting my credit. I need this fixed ASAP!
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Bank of America - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX, XXXX, sent me a paper check in the mail. I attempted to deposit the funds via the mobile app. After I pushed submit, I noticed that my funds will not be available until XX/XX/XXXX ( today isXX/XX/XXXX ). I called BOA ask why there is a hold of 8 days. I told them that : It is not over 5K ( the check is for 2.2K ) My account has been open for over 30 days I have not bounced any checks The employer is XXXX banking through XXXX XXXX They stated that it will take 8 days. Maybe 200 - 300 will be available in a couple days, but the funds will be in my account onXX/XX/XXXX. I explained the urgency for the funds ( mortgage, medicine for my kids, food ) and while that may not expedite the process, I need to cancel the hold and cash the check so I can take care of my family. They refused to stop processing the check stating it will take 8 days. I asked for a supervisor. They stated the same thing. The refused to stop processing the check or expedite it. 

A few minutes later I tried to cancel my account in which they refused to do so. I reviewed the documentation on the federal reserves website and it seems that 8 days is well over the limit for a hold. 

I will call BOA to state I submitted this complaint. I know these compliant could take 15 days, but any help would be appreciated. My children need the basics and I can't provide that without the proper funds.
Product: Checking or savings account

System has been down since XXXX of XXXX but was told nothing until XXXX at XXXX XXXX  thru email. Meanwhile bills are piling up and there is no way for me to receive my check thru direct deposit. There is no ETA and all were told is they are working on the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has put a remark on my credit report for my XXXX credit card and my XXXX XXXX credit card. Having them put this remark has decreased my credit score. I can't even view what the remark is but there should be nothing posted under these accounts. Last month I disputed the balances on these accounts as they were reporting higher than they actually are. Today upon checking on XXXX XXXX my score decreased due to these remarks added. I am submitting this dispute because there shouldn't be any remarks made. I also am unable to get online to view my credit report.
Product: Credit card

I want to know why all XXXX of my credit cards where closed and I want my account back opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of dates XX/XX/2023. XX/XX/2023, XX/XX/2023, Also I have others thats old to I have them uploaded these are inquiries thats on my credit sesame my XXXX! I didnt apply for anything someone stole my identity!
Product: Money transfer, virtual currency, or money service

In early XXXX I created a new account with the money transfer company Xoom, in order to execute an international money transfer to a friend in XXXX. This was for soccer players to participate in a soccer camp in XXXX. 
With the Xoom transfer limit of {$1000.00}, I had to make two separate transfers, because my total transfer target was about {$2000.00}. I entered the information for my transfer into the online form and the first transfer with an amount of a bit under {$1000.00} was approved and completed a few days later ( Transaction # : XXXX ). 
A few days later I wanted to do the second transfer and followed the same steps as in the first transfer. But shortly after submitting my transfer request via the online template, I got a notification that my transfer was not approved and not executed. The note asked me to call a phone number and Xoom agent to provide more details about the transfer and answer question. I did that and explained in the call what the transfer was about. But the situation was not resolved in that phone conversation. I was told that I have to wait until a decision on my money transfer would be made and that I would receive the result via email. A few days later I received an email saying that my transfer was continued to be rejected. No specific reason was provided and I was only given the opportunity to ask for an additional review. 
I asked for that additional review, but on XX/XX/2019 I received an email from Account Compliance of Xoom, saying " Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your account. This decision is final and can not be appealed. " ... " We are unable to provide any more information regarding this Issue and any future correspondence will not be answered. '' I was given no explanation of why my second transfer was denied and why my account was closed. The account remains closed until now and nobody can give me a reason why. 
I even contacted the XXXX, the company who apparently owns the money transfer service Xoom. But they only said that they can not help me and that this would be something I have to address with Xoom itself.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation!

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX & XXXX XXXX XXXX Type of Business : XXXX  Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX Type of Business : XXXX  Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Money transfer, virtual currency, or money service

Hello Cfpb, I wan na ask help to restore my account back As of XX/XX/XXXX, After i converted the euro to peso, without withdrawing it yet my account got limitation again. with reference ID : XXXX.
Product: Checking or savings account

On XX/XX/year>, I closed my checking account with XXXXBank. Before that date, I reported my check card as lost and informed the bank that my account had been compromised. I requested an immediate closure of the account and a halt to all charges, and I was assured this would be done. 

However, XXXXBank has allowed a recurring charge of {$XXXX} to go through, which I specifically mentioned was part of the issue. This charge was permitted despite the account being closed and the debit card reported lost. This account is their " SAFE DEBIT '' product, which they claim does not permit negative balances. 

I am unsure if I owe this money and can not visit a branch due to recovery from a medical issue. I also can not reach anyone at their call center, as they are " unable to match my personal information to my account. '' I want this resolved immediately. I should not be held accountable for a negative balance when I took all necessary steps to close the account and forewarn the bank of the compromise, particularly with this retailer. I also should not be penalized with a blemish on my credit report or a derogatory report on XXXX or any other credit bureau due to the bank 's negligence.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these issues still persist on my record. 

The presence of late open accounts and a public record not only adversely affects my XXXX XXXX but also undermines my financial standing and access to credit opportunities. 

I kindly request that you prioritize the investigation and resolution of these issues, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that resolving such issues may require time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following late open accounts should be corrected and the public record should be removed as soon as possible : XXXX. XXXX XXXX XXXX Balance Owed : {$1000.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX  Balance Owed : {$2100.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.