23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My family and I have been earning and accumulating miles through the Bank of America XXXX credit card fairly according to Bank of America XXXX credit card T & S and promotion. We've booked our award flight through XXXX XXXX earlier in the year ( XX/XX/2018 ) for travel in XX/XX/2018, using the accumulated miles. In XXXX, we've received an email from XXXX Revenue Protection automated system, stating " the reservation booked under confirmation code XXXX will not be allowed travel, ... the account used to book the flight has been suspend. ", and that we needed to call XXXX. Speaking with the XXXX XXXX   agent, they've requested government issued ID of the travelers, which was furnished. About two weeks later, we received email from their XXXX XXXX agent XXXX, demanding an amount of {$9100.00} for the miles we've used..and " payment will need to be made in full with a money order made out to XXXX XXXX. '' Multiple attempts trying to reach the XXXX agent failed. Every time we speak with an XXXX XXXX specialist, they would come up with different story why the miles can not be used, from " the accounts owe Bank of America money ... .the accounts has not paid annual fee ... Bank of America has frozen the miles and you can not use them ''. After contacting Bank of America multiple times, they have expressed concerns why XXXX XXXX is placing the account on hold when the points were earned and annual fee were paid. They were also shocked when we've told them that XXXX XXXX agent requested Money Order for the miles used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report. AFter I lost my wallet i decided to make sure nothing had been opened in my name. I checked my credit report and saw numerous accounts
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 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 transaction 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax responded that adverse information remained for seven years from last activity. They are not using the correct dates for last activity on the following : XXXX/XXXX Account XXXX activity XX/XX/XXXX per their records. XXXX Account XXXX-last activity was XX/XX/XXXX, NOT XX/XX/XXXX. No activity occurred in XX/XX/XXXX. XXXX Account XXXX -- last activity was XX/XX/XXXX, NOT XX/XX/XXXX. No activity occurred in XX/XX/XXXXand note duplicate account as double reporting. XXXX XXXX-Account XXXX-last activity was XX/XX/XXXX per their records. No activity occurred after that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Common wealth financial @ XXXX XXXX XXXX XXXX XXXX, PA XXXX, phone number ( XXXX ) XXXX. 
has called me several times and hangs up on me when I ask them to send me a copy of the contract signed where the account belongs to me, and they refuse to send it to me and to remove the negative file even though I have requested a dispute from XXXX, they consistently and illegally Harrass me on my cell phone and try to collect a debt that does not believe my to me. Please contact me for any questions. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Now my information was impacted by the XXXX XXXX XXXX and may have gotten into the hands of the wrong person. This letter is a formal complaint that XXXX is reporting inaccurate and incomplete credit information. I am distressed that XXXX have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I have sent in numerous letters over the past 4 months and have not receive any correspondence in regards to investigation. I know that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. It's been over ninety days at this point.
Product: Credit reporting or other personal consumer reports

Th credit Bureaus is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/22 - opened a fraudulent application with Capital One XX/XX/22- received a letter saying my application was denied XX/XX/22 - called Capital One and requested statements associated with the fraudulent card and reopened investigation giving them the potential person I thought it could have been to open the card under my name.
Product: Student loan

For the last two years I have been battling with Navient and their payment policies. I put in to defer my payments twice and Navient failed to tell me about the {$50.00} " security deposit ''. Also every time I got off of the deferment plan, Navient charged me as though I had n't paid for months. It XXXX my credit each time. And I had to contact them incessantly after each episode of this. I 've informed them and tried to solve it on my own but my credit never got better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly. 
With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of XXXX accounts that are reporting inaccurate for both of these issues. 

Per 15 U.S.C 1681 there should not be any damages on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the New law effective XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true Bankruptcy listed does include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.
Product: Mortgage

I tried calling this Shellpoint ( NewRez ) to delay my payment and put myself in a forbearance program and connecting with the department was extremely difficult and wasn't successful in connecting with a agent.

Therefore, so between being furloughed for over 3 month and then getting XXXX  with XXXX  XXXX. I must have overlooked the payment and without being successful with connecting with an agent. After all I was also XXXX XXXX with XXXX  and wasn't in the correct state of mind will the illness. 

I called Shellpoint to explain the situation and they had no intention in helping me but I believe I was speaking with someone without the authority to help me. I was thinking surely they can see that this is a special circumstance and would be willing help. I believe in compassion and that we live in a world where empathy is something that big companies can still exercise given the correct circumstance. I do appreciate NewRez before this point they have been great to work with and extended there business to me and I will be forever grateful for this. 

I am trying to rebuild my credit in preparation for business oppurtunities. I have been able to show that I am capable of responsible credit management as reflected in my credit records. I am requesting that you give me a second chance at a positive credit rating by revising my trade line with the Credit Reporting Agencies. I sincerely hope that there is redemption at NewRez, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome. 

Very Hopefully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate data to Experian : XXXX negative date is XX/XX/2016 according to their data, XXXX XXXX is reporting to Experian XX/XX/2016 as XXXX negative date. 

XXXX  stated a XXXX amount due, XXXXXXXX XXXX is reporting to Experian a balance of {$45000.00}. 



XXXXXXXX XXXX  is required to report all accounts to the credit bureaus fairly and accurately per the Fair Credit Reporting Act. Unfortunately, unless the credit mark is verified to be a result of bank error, courtesy removal requests do not align with the fair credit reporting rules and regulations. 

THIS IS A HUGE ERROR, THIS DOES ALIGN WITH THE FAIR CREDIT REPORTING RULES
Product: Credit reporting or other personal consumer reports

I would like to reach out to your agency concerning the inaccuracies and errors I've found on my credit report. There were discrepancies of information across the XXXX credit bureaus ' reports. I'd like them to correct these errors and have it Update to a Current Status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed an account listed as XXXX XXXX XXXX on my credit report that was showing open/late. The account was CLOSED as a result of my numerous disputes. HOWEVER, the TRANSUNION account was closed at a balance of {$130000.00} on a vehicle with an original balance of {$12000.00} The disputed amount was {$13000.00}. Somehow, an additional XXXX ' was added to the balance causing it to change from $ XXXX to $ XXXX. The account was closed at the XXXX and XXXX  with {$0.00} balance. This needs to be updated and corrected ASAP! Document is attached to show error. I called Transunion on XX/XX/2017 to correct this issue. They declined and opened a dispute because they stated it came from the creditor at the noted balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, XXXX, and XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n, which holds credit bureaus civilly liable for willfully reporting inaccurate information and failing to comply with FCRA requirements.

The violations include, but are not limited to : 1. Failure to Update Sold Accounts : Multiple collection accounts on my credit report were sold to new creditors but remain inaccurately reported by the original creditors. These accounts are not marked as sold or transferred, nor do they reflect a {$0.00} balance, in violation of FCRA 623 ( a ).

2. Inconsistent Reporting : The credit bureaus are reporting inconsistent and incomplete payment histories for the same accounts across different credit reports ( e.g., payment history is reported on Experian but missing on XXXX ), creating discrepancies that violate FCRA standards.

3. Failure to Verify Information : The credit bureaus failed to reasonably investigate disputes I submitted under FCRA 611 ( a ), continuing to report unverifiable and inaccurate information. 

Additionally : XXXX XXXX  data breach, which exposed sensitive consumer information, demonstrates a pattern of negligence. 
Experian has a history of failing to properly verify disputed information and has been sued for similar issues. 
According to FTC guidelines, unverifiable or inaccurate information must be promptly deleted from credit reports. 

These repeated violations have harmed my credit score and caused financial and emotional distress.

Legal Basis for Complaint : Under 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} for each violation of the FCRA, in addition to any attorneys fees, court costs, and punitive damages.

Resolution Requested : I demand the following actions : 1. The immediate deletion of all inaccurate, unverifiable, and outdated information from my credit reports.

2. Written confirmation of the deletions.

3. Compensation of {$1000.00} per violation under 15 U.S.C. 1681n for willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove me from an account that's closed and listed me as an authorized user inwhich I know anything about, the account to be removed is XXXX XXXX, opened XX/XX/XXXX,
Product: Credit card or prepaid card

- I received a credit card from XXXX Bank on XX/XX/2018 which I never applied. 
- I did not activate this card - On XX/XX/2018, I got an email from XXXX asking me to activate the card. 
- Upon looking up my emails, without my knowledge, someone has registered at XXXX website using my email on XX/XX/2018. 
- On XX/XX/2018, I received a call from the bank regarding verifying a transaction and I called back the bank using the number mentioned in the call. I found that a credit card application was made on XX/XX/2018. I requested the bank to cancel this application and the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and XXXX XXXX accounts do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$26000.00} XXXX  XXXX XXXX : {$3600.00} XXXX XXXX : {$0.00}
Product: Credit reporting

2 weeks ago I called Equifax to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report.
Product: Money transfer, virtual currency, or money service

JPMORGANCHASRE BK NA and its associates XXXX XXXX XXXX XXXX and/or representatives continue to willful violate RESPA as well as overcharging clients and mismanagement of escrow accounts creating a constant surplus or shortages and/or a way to charge people a higher monthly payment. 

They play a game of calling its errors when doing so or claim it is mistakes when in fact, they are experts at it and continue cook the books and/or do things to create either a shortage and/or overages they use the taxes as part of the cooking of the books processes. By either overpaying them, underpaying them or paying the wrong property or not paying them at all until it's a problem. 

Then they get the overpayments from the taxing authorities sent to them. They have made millions doing this causing chaos for the average person as well as hardships, distress, mental anguish. ( See below link. ) They are fall into a pattern also involves the insurance companies and/or do so during such renewals and/or are price gouging. 

They send a shortage of escrow notice and even when you pay it in full, they play games like they dont know it or receive it and continue to bill you the monthly installments then overpay or under pay the taxes or dont pay them and the mortgagee has to and/or stay on top of it exploiting the RESPA processes. 

They also set up a separate company to handle the property taxes as part of the cooking of the books processes. https : XXXX XXXX/ Note XXXX seems to be this years new number of increases to monthly billing. 

Please see prior complaints # XXXX and XXXX They may also be using as a harassment operation, political hit jobs or to fund and insurgency at the capitol building. Unknown, Unconfirmed, Unverified. 

JPMORGANCHASE BK NA role is they refused to tell me who they paid this amount to see canceled CK attached. That XXXX XXXX said in its responses to complaint XXXX that they as of XXXX XX/XX/XXXX 22 did not receive and payment for the shortage and/or the cashiers CK attached to that complaint. 

So, either they are not being truthful or JPMORGANCHASE BK NA allowed fraud to occur and some other entity other than the named entity on the cashier 's check to cash it. The Cashier 's Check pay to order was XXXX XXXX the check was cashed on XXXX XX/XX/XXXX22.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove the items listed below. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$1600.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( XXXX, TransUnion XXXX XXXX ) none of which have been updated. 

Also request for debt verification has been ignored
Product: Credit reporting or other personal consumer reports

On XXXX the loan with GM Financial was paid off, It show accurate on XXXX but incorrectly on XXXX and XXXX. I have been requesting it to be updated numerous times and still has not. I want it now deleted from all credit bureaus.