23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I requested validation of bankruptcy reference # XXXX, # XXXX, and # XXXX on my credit report from Experian and Experian sent me a letter stating that they verified the public records through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Experian Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Experian has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX and XXXX has my name ALL spelled wrong. Each one of them has a total different spelled. I talk to this people just about everyday they all know my name so why do they keep spelling it ALL wrong? It has been this way now for the last 5 years.FIRSTthey all 3 had me listed as dead on my reports i get that right and now they r still spelling my name wrong even after i have sent them proof, I call to get my reports they send in wrong well i call again a week later they send in different name and this bs has been going on with them for a while i even contacted the ceo of the companies on linked in. MY ID IS IN MY MAIDEN NAME AND MY SSN IS IN MY MARRIED NAME AND I DONT THINK THAT I HAVE TO CHANGE IT OVER OR BACK>
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have included the proper documentation with my report. There are inaccuracies with both inquiries and a XXXX XXXX account that need to be removed from all XXXX credit reports XXXX Experian and XXXX
Product: Debt collection

Contrary to belief, every XXXX XXXX is not the same person. My name is XXXX XXXX XXXX, XXXX. I served in the XXXX not the XXXX. I was born on XX/XX/year>. The attached documents they provided show some guy who is younger than me and living in XXXX. I have never lived in XXXX. I live in XXXX  and was born in XXXX. I am not who they are looking for. My SSN ends with XXXX. And not what they show on the documents they provided.
Product: Debt collection

I have been renting a townhouse at XXXX XXXX in XXXX XXXX since the summer of XXXX with my then XXXX year old child. 

Since, XX/XX/XXXX the premises have been infested with fleas. The XXXX XXXX office was notified promptly on XX/XX/XXXX of the issue. It took me following up with the office staff twice per day after reporting the problem just to get an exterminator to come to assess the situation on XX/XX/XXXX. After the assessment, the rude and unhelpful XXXX had the exterminator scheduled to come out to do the first treatment on XX/XX/XXXX, knowing that the time was of the essence and that the unit was uninhabitable. I had to insist on the exterminator to come out sooner, so XXXX came out on XX/XX/XXXX to do the first treatment. 

During the assessment visit by XXXX XXXX XXXX XXXX, I was given a guarantee by him that the problem will be fixed after the first treatment. Well, the problem didnt go away after the first treatment on XX/XX/XXXX. I reported to the office again and XXXX came out again on XX/XX/XXXX to do a second treatment. And again, the problem did not go away. I contacted the office and emailed XXXX XXXX on multiple occasions after that, however, have not gotten any acknowledgement or a reply. 

I had no choice but to hire a private exterminator, that had come out on XX/XX/XXXX and XX/XX/XXXX to treat the premises. 

In the meantime, the unit hasnt been occupied by me, my son and our cat since XX/XX/XXXX, because its UNINHABITABLE. 

The landlord has breached the lease agreement ( item XXXX, last paragraph ), by leaving the property in uninhabitable condition, but still requiring full rent. ALL RENT WAS WITHHELD, UNTIL PROBLEM RESOLVED. 

I requested that they repair these conditions immediately. Neither I, nor anyone on the premises with my permission, caused this problem. I also reserved all legal rights and remedies with regard to this situation. 

XXXX XXXX failed to cure the issue, but instead filed an eviction against me on XX/XX/XXXX. At that point I hired legal representation to represent me and my legal rights. The eviction was dropped because I moved the rest of my belongings on XX/XX/XXXX. 

Now Sklar Law LLC, is coming after me for the debt that they say I owe to XXXX XXXX in the amount of {$4500.00}. On XX/XX/XXXX I replied to Sklar Law letting them know that I dispute the debt and reasons why. In return on XX/XX/XXXX they sent me a one page summary of charges, stating that it's a debt validation.

Sklar Law, LLC did not research the issue and problem, as to the reasons why the rent was not paid for XXXX and XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 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 have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit  reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows 2 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report : 1- XXXX XXXX made on XXXX XXXX, XXXX 2- XXXX XXXX  XXXX XXXX XX/XX/year> Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Product: Credit card

In XXXX, I made two purchase at XXXX, after presenting my personal banking debit card. Today, I received an invoice from a XXXX credit card that I never applied for. I looked at my debit card statement and only one of the purchases I made was on the statement. The store clerk illegally enrolled me in the credit card program, claiming to enroll me in their awards program. I called the XXXX Credit card company today and reported the problem- they failed to connect me to a manger that could resolve the issue. I do not own major credit cards or store credit cards for a reason, so this action is particularly egregious. It seems that XXXX is paying their employees incentives to enroll customers in their programs and those incentives are causing employees to illegally enroll customers in these programs, without customer consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these inquiries. I ask that the items be deleted to correct 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.
Product: Mortgage

In XXXX, XXXX I was forced to relocate from XXXX to XXXX for my work. I was a single mother at the time and was purchasing a beautiful new townhome for my daughter and I in XXXX. I used the funds from my divorce settlement to purchase the home in XXXX. Before I moved out of state, I secured good tenants whose rents more than paid the mortgage on this home in XXXX. The mortgage was with XXXX XXXX XXXX. 
After my relocation to XXXX, the economy deteriorated rapidly and I was left with no choice but to file a Ch. XXXX XXXX in XXXX. As part of this filing, I surrendered my home XXXX and asked my tenants to move out. 
XXXX XXXX XXXX SOLD the mortgage to Ocwen who then SAT on the house until XXXX! In the meantime, I was sent to collections over and over again for past due XXXX XXXX dues for a property that I could NOT RENT and the bank WOULD NOT sell! 
When the foreclosure was FINALLY completed in XXXX, I was so relieved to be finished with YEARS of harassment and damaged credit that I had been trying to repair. 
I checked the XXXX XXXX XXXX 's office earlier this year and the bank did sell my home to another person in XXXX, XXXX. 
So imagine my surprise when I received a letter dated XXXX XXXX, XXXX from a collections agency for the XXXX XXXX stating that they had obtained a BANK LIEN against me in the amount of {$2300.00}. I was never even served! They do know that I live XXXX and could not have travelled to XXXX to defend myself. 
I have now been forced to retain an attorney XXXX to look into this matter. If I could sue XXXX XXXX XXXX and Ocwen for what they have put me through, I would do so. However, I know I would never win. This situation HAS to be illegal. How can I be pursued YEARS after paying a 5 year Ch. XXXX in full and losing my home in the process?
Product: Bank account or service

Capital One Bank Reversed my dispute 3 times and debited my account
Product: Credit reporting or other personal consumer reports

Currently, an account that has been paid in full and closed continues to report late payments, unfairly affecting my credit score. 

Below is the information for the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Although I recognize that there have been late payments in the past, the account has now been fully paid and closed. Since the debt has been settled, I request the removal of the negative reports associated with this account, as they no longer reflect my current financial situation and unfairly affect my credit. 

I am attaching the following documents in support of my dispute : Proof of full payment of the account. 
Copy of my credit report, which shows the negative status of the account. 
I request that the CFPB investigate this situation and, if it finds merit, order the removal of the negative records from my credit history. I look forward to a resolution in accordance with current regulations within the appropriate time frame. 

I appreciate your prompt attention to this matter and remain available to provide any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After struggling and getting sick not only has Santander used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My XXXX still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is XXXX willing to help with getting my score back. Please help. Thank you
Product: Money transfer, virtual currency, or money service

For several months my tenant paid for a portion of her rent with money orders that were issued by Walmart in XXXX, PA. Walmart now refuses to cash these money orders despite the fact that they were made out to me and I presented identification. I attempted to cash them at my financial institutions on several occasions within the last 12 months. They would not honor them. It is now one year and several months past the one year mark from when two of these money orders were issued, and though there is no mention of additional fees to cash them in Pennsylvania on their website, nor on the money order, XXXX XXXX claims that the money orders have depreciated significantly in value, and can not be cashed any longer at face value, though it does not mention this anywhere on the money order nor on their website either. Walmart refuses to cash even the money orders that it issued within the past month. When I called to find out why, the representative stated that it somehow violated Walmart policy to cash my money orders that were made out to me to cash, but she would not say why. I feel that this is discriminatory because I am a divorced woman who owns a home.
Product: Credit card

Sixteen fraudulent transactions were starting on XX/XX/2023 for a total of XXXX. These were all online ( Card not present ) with XXXX XXXX with no PIN #. Truist returned XXXX but refused to refund the rest because the 1st fraud was over 60 days. 

The complaint case # is XXXX Bank : Truist We followed the steps as requested and are consistent with the Zero Liability Policy. At first glance, this policy appears to provide adequate protection for the consumer. Still, in reality, it is toothless, and Truist will make the minimum effort to give a satisfactory resolution. 



ZERO LIABILITY POLICY FOR CONSUMER DEBIT CARD PURCHASES. You may have no liability for unauthorized debit card purchases, subject to the following terms and conditions : A ) Our zero liability policies apply only to unauthorized purchases and certain ATM transactions using your debit card. Any claims of unauthorized debit card purchases that do not meet the conditions of this section and any claims of unauthorized transactions involving other types of electronic fund transfers are governed by the error resolution requirements as described in Section 10 of the Electronic Fund Transfer Agreement and any separate agreement provided in connection with the issuance of the access device. If your claim does not meet the terms and conditions contained in this section, the bank will automatically re-examine your claim in accordance with the error resolution requirements as described in Section 11 of the Electronic Fund Transfer Agreement.

B ) Our zero liability policy may not apply if : ( i ) we determine the unauthorized transaction was a result of gross negligence or fraud on your part; ( ii ) you fail to provide us with a statement or affidavit of your claim within the time requested ; ( iii ) we determine the transaction was not unauthorized as defined below; or ( iv ) you fail to report the loss, theft, or unauthorized use of your debit card or card number within a reasonable period of time. A reasonable period of time will be determined by bank in its sole discretion, but in no event will it be shorter than the time periods specified in the error resolution requirements. 

C ) Unauthorized Defined A transaction is considered unauthorized if it is initiated by someone other than you ( the cardholder ) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction is not considered unauthorized if : ( i ) you furnish the card, card number, or other identifying information to another person and give that individual express or implied authority to perform one or more transactions and the person then exceeds that authority, or ( ii ) for any other reason bank concludes the facts and circumstances do not reasonably support a claim of unauthorized use.
Product: Debt collection

dates : XX/XX/2015 amount : {$1000.00} violation : section 604g 15 U.S.C. 1681b ( g ) ; 12 C.F.R 1022 Subpart D
Product: Credit reporting or other personal consumer reports

Per code XXXX XXXX XXXX consumer reporting agency shall block the reporting of any information in the file on a consumer that the consumer identifies as information that resulted in an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Per accounts should not be furnished on my consumer report as they are a VIOLATION!!!! PER, XXXX XXXX Code XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the existing circumstances and no other : ( XXXX ) 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 all accounts listed IMMEDIATELY! 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

XXXX XXXX XXXX and XXXX CFR XXXX - Family Educational and Privacy Act of XXXX XXXX XXXXXXXX XXXX - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of XXXX When signed you stated you would not provide my information to anyone.
Product: Checking or savings account

On XXXX the XXXX of 2022 my online banking was hacked and all my accounts drained. My bookkeeper and I noticed something strange while signed into Regions Bank On-line ; money was moving back and forth between accounts. When we attempted to stop this activity, we were signed out and unable to access the accounts again. We went to our local branch XXXX blocks away and sat down with our branch associate, XXXX. She pulled up our accounts and was seeing the same thing. All of our money was being transferred to the business account. She immediately got on the phone to contact any department that may be able to stop, explain, or halt what was happening. Every department she spoke with stated that it wasn't them, including the wire transfer department. My bookkeeper and I literally sat there watching the desktop computer screen with the Branch Representatives as all the monies in my account wire transferred away to an unknown source.

The branch manager assured me that I had nothing to worry about and that everything that was taken would be replaced within a few days. So, we opened new personal and business accounts. We closed all my other accounts save XXXX, in order to keep a connection with the incident. 

After several weeks of back and forth with the Branch Manager, I was told that Regions Investigators had found the account the monies had been wired to and that the Bank of the account had been notified. He told me that Regions was legally allowed 90 days from the point of the other bank 's notice confirmation to get the monies returned. After that 90 day process, he said I would receive my money. As of today, 108 days, I have not reimbursed what was stolen, nor given an explanation as to how it happened. I call my branch everyday for updates ; I am told they don't know what is happening nor when this issue will be resolved. I have spent days on the phone trying to contact anyone at Regions Bank, other than my branch reps, trying to find anyone who and shed light on the issue, but always end up repeating myself to customer service representatives with no answers or authority to escalate the call to anyone who might help.
Product: Money transfer, virtual currency, or money service

I am writing to formally address 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 transactions was infeasible. The CFPBs 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

I paid off my account with affirm so that i can get my dti down to get approved for a home loan and affirm update my bureau report as i made a payment not paid off, i have yall to several associates and they will not help me