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

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.
Product: Credit reporting or other personal consumer reports

The credit inquiry listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove and haven't received a response. 

Experian : XX/XX/year>XXXX XXXX XXXX Business type : automobile Financing Company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Business type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to file a formal complaint regarding the mishandling of a credit refund from my credit account # XXXX to my checking account # XXXX. 
On XX/XX/year>, I initiated a credit refund of {$1500.00} and explicitly requested that no refund check be mailed. I was assured by the Bank of America agent that the funds would be directly deposited into my checking account within two business days, by XX/XX/year>. This did not occur. 
On XX/XX/year>, I contacted Bank of America customer service and spoke with XXXX, who informed me that a refund check had been sent out despite my clear instructions and the agents confirmation of refund into my Checking account. I reiterated that the funds should have been deposited directly into my checking account. XXXX suggested stopping payment on the check and reissuing the refund to my checking account, stating it would take an additional 10-14 days. 
I escalated the matter to management and spoke with XXXX, who stated there was nothing that could be done and I would have to wait 10-14 days for the refund.

Bank of Americas failure to follow my explicit instructions and the subsequent delays are unacceptable. Because of Bank of Americas negligence and lies to this consumer, I will have to wait an extended period of time for monies that should already have been deposited.
Product: Payday loan, title loan, personal loan, or advance loan

I received a refinance offer from ADVANCE FINANCIAL 24/7 this morning although I already have a loan out with them they sent me a offer to refinance for another XXXX $ and when I called to ask about the funds the covered it up and said it was a refinance offer to skip I have all photos and I also have a witness who was watching me sign for the XXXX $ When I called to have a reversal they said couldnt return my money and and not let me pass on the offer I cant afford to to pay them the extra money my original bill jumped upped and moved to a day whereas I dont receive income
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using XXXX 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 tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protected consumers but allowed repeat offenders to exploit the system leaving users vulnerable to scams. The 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

The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX/XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall ever opening these accounts. My military service began in XXXX, so I was not attending college : XXXX XXXX XXXX opened on XX/XX/XXXX, last active on XX/XX/XXXX. {$45000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX, {$23000.00} XXXX  : Opened in XXXX, last active XX/XX/XXXX {$22000.00} These accounts are old, so I would like to have them removed from my credit report : XXXX XXXX XXXX/XXXX : Opened in XX/XX/XXXX, last active XX/XX/XXXX XXXX XXXX : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX   XXXX/XXXX  : Opened XX/XX/XXXX, last active XX/XX/XXXX XXXX/XXXX  XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX XXXX/XXXX : Opened on XX/XX/XXXX, last active XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between True Accord LLC and Affirm INC As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian by certified mail a 611 ( a ) ( 6 ) & ( 7 ) letter which was not responded to properly. Inaccuracies and reaging of accounts, charge off account total changed.
Product: Vehicle loan or lease

On or about XXXX of 2023 Exeter Finance called my phone and told I, the consumer that they have sold my contract to XXXX. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer credit report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Debt collection

i do not owe XXXX XXXX are Midland credit management any money. i have no contract with any third party debt collection company.
Product: Debt collection

Portfolio Recovery Associates , LLC out of XXXX, XXXX is attempting to collect on a debt that exceeds the statute of limitations of 7 years. This debt was part of a divorce decree filed in XXXX County, XXXX in 2003. As of today 's date, that makes the debt more or less 13 years old, thereby exceeding their jurisdiction. In addition this debt has been sold three times to different creditors and I do not believe the statute of limitations resets itself in order to satisfy a debt. It also states on their letter that if the amount exceeds XXXX dollars they " may '' report it to the IRS which is predatory collection practices.
Product: Credit card

In XXXX of 2024 Citibank increased my interest rate from 13 % to 24 %. 
I have thoroughly enjoyed my XXXX years with Citibank and my payment record has never been late and XXXX  credit score according to the Citibank tracker is good. 

Respectfully, I feel the sudden interest jump from 13 % to 24 % is in accordance with a punitive rise in interest ( i.e. missed payment etc ). 

I called customer service and customer retention to resolve the issue but as pleasant as they were in handling the case, they said there was nothing they could do.
Product: Student loan

Mohela is reporting transaction history on my credit report and according to the Master Promissory Note they will not report transaction history. This is also a violation of my privacy under the Family and Privacy Act of 1974. You can not report without my consent. The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

Credit reporting is also incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Bank Of America accounts in my XXXX  credit report witch has lot of incorrect information in there such as addresses, phone numbers and employers name. 
I have written letter to credit bureau since XX/XX/2019, to have this information corrected or removed, but 4 times they send me letter that everything is accurate. 
Also I send same letter to Bank Of America account cervices exact same day XX/XX/XXXX and until today I don't get respond from them. 
I think they just don't really want to help me to protect my right, and I know your company have been made to protect consumers rights. 
Thank you I hope you guys can help me to get out of this dirt
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, The attached erroneous accounts are not mine but have been incorrectly posted on the three Major Credit Bureaus ( XXXX, Equifax and XXXX XXXX XXXX for some time now. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), the Credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I explained the above by way of notarized letters XXXX attached ) mailed ( certified ) to XXXX, Equifax and XXXX XXXX on XXXX XXXX, 2019 and therein also demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts ( attached ). Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts ( attached ). After demanding that the accounts ( attached ) be properly verified or removed immediately, they simply sent me copies of my credit report from each bureau communicating that records were " verified '' yet they did not provide verifiable proof ( an original Consumer Contract with my Signature on it ) that the accounts were mine nor did they delete the erroneous accounts from my credit reports following no verifiable proof being provided in accordance with section 609 of the FCRA.
Product: Mortgage

Due to Hurricane Ir
ma in XX/XX/XXXX in XXXXg Fla I call my mortgage company Carrington Mortgage Service the following week and advised that based on the Forbearance law or act that I needed two months of payments added to the end of my mortgage term, This was done immediately. I received a document from Carrington advising me to fill out RMA Request For Mortgage Assistance. I am totally confused since they are requesting me to make XX/XX/XXXX and XX/XX/XXXX payments no later than XX/XX/XXXX. I was not given this information when talking with the first CSR on XX/XX/XXXX This complaint is regarding the Forbearance. Refraining from the enforcement of something such as a debt, right or obligation that is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Trans union credit bureau has violated my rights. 

15 U.S.C 1631 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.
Product: Credit card or prepaid card

On XXXX, XXXX, and XX/XX/XXXX of 2015. On each month I tried to submit my payment of {$250.00} each month which was on Auto-Bill pay and did not go through. I have reached out to Commerce Bank and they have said for years that they saw that they saw the payment tried to come out when I was banking with them but it was rejected. They never notified me of the rejection and they gave me these 3-30 day late payment marks. I now can not get a mortgage because of these marks on my credit and the company will not help me with this unfair situation.
Product: Checking or savings account

My serve account has been permanently suspended due to an attempt of a ACH debit. 
A violation to the user agreement. I told the rep that I never gave authorization to anyone to debit my account by ACH. The rep would not give me any information about my account. I called back the next day and still getting nothing. I asked to speak to a manager.

He told me that the attempt was made by a funding source and that was all he can say.

I had two funding source direct deposit into my account. XXXX money transfer which serve uses for sending money. I signed up for that  service and XXXX sent two small deposits to verify my account. XXXX confirmed that no attempt of a ACH debit made to my account.

I had SBA EIDL direct deposit my approved funds to my account. I called SBA to asked them if they try to attempt a ACH debit. 
She looked into my account and told me the only thing she see is that my funds was disbursed. 
She said everything was approved and good to go. 
There was no attempt by SBA and the department of treasury trying to do an ACH debit. She told me to go to CAWeb.sba.gov and to enroll. This will show everything done in my account. If need too, I can send snapshot of it. I called serve and told them everything SBA had told me. 
I asked him, if there was an attempt of a ACH debit by one of the funding sources, how can I be responsible for something I have no control over and not even knowing it was going to be done. I can see if I was trying to pay any of my bills or paying someone using ACH debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date 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 Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX of Inquiry : XXXX XXXX Inquiry Date XXXX
Product: Money transfer, virtual currency, or money service

THIS COMPLAINT IS FOR CRYPTO.COM. THIS PROBLEM HAS BEEN GOING ON SINCE XX/XX/XXXXXXXX XXXX XXXX  XXXX I NOTICED THAT MY ACCOUNT DOES NOT LOOK CORRECT, MOST OF MY INFO WAS GREYED OUT AND I COULD NOT ACCESS MOST OF MY ACCOUNT INCLUDING CUSTOMER SERVICE. FEW DAYS LATER MY BITCOIN VANISHED. 

CRYPTO.COM HAS HAD SOME BREACHES AND HACKS WHERE PEOPLE HAVE LOST MILLIONS OF DOLLARS. I TRIED TO CONTACT CUSTOMER SERVICE IT TOOK THEM SOMEWHAT 4 DAYS TO GET BACK TO ME AND PRETTY MUCH ASKING ME TO REPEAT MYSELF, I REPLIED AND THEY JUST IGNORED ME. MY BANK HAS BEEN TRYING TO HELP GET BACK MY FUNDS AND CRYPTO.COM HAS CAUSED MUCH PROBLEM. I WENT TO THE LAW ENFORCEMENT AND FILED A REPORT. OFFICER XXXX REACHED OUT TO CRYPTO.COM AND THEY JUST IGNORED HIM. OFFICER XXXX HAS STATED THIS IN HIS REPORT. I EVEN SENT OVER THE REPORT TO CRYPTO.COM AND THEY JUST DOING NOTHING. THEY CLEARLY ARE HOPING THAT I WOULD JUST GO AWAY BUT I AM NOT AND WANT MY MONEY BACK. CRYPTO.COM CAN RETURN MY FUNDS BACK TO MY BANK OR THEY CAN RETURN THE FUNDS TO MY ACCOUNT SO I CAN WITHDRAW THEM. A TOTAL OF XXXX. BELOW ARE THE TRANSACTIONS AND DATES. CRYPTO.COM HAS A PROGRAM TO REIMBURSE VICTIMS LIKE ME BUT THEY ARE NOT DOING THE RIGHT THING AND HOPING I WOULD JUST GO AWAY. 

XX/XX/XXXX : {$5800.00} XX/XX/XXXX : {$790.00} XX/XX/XXXX : XXXX XX/XX/XXXX : {$800.00} I WILL ALSO BE FILING COMPLAINTS WITH THE SECTARY STATES OFFICE AND STATE ATTORNEYS OFFICE TOGETHER WITH SEC SECURITIES OFFICE. AND IF NEED BE, I WILL ALSO FILE A COURT CASE. THIS HAS GONE TO FAR AND CRYPTO.COM NEED TO CORRECT THIS.
Product: Mortgage

on XXXX I was contacted by my mortgage company regarding the XXXX payment. I informed the agent that I pay by the end of each month and it was agreed upon to do a post dated XXXX XXXX phone pay for XXXX, there was also a {$19.00} fee. I was at home when I was doing this transaction. the agent told me he would send me a confirmation e-mail. when I returned to work the next day and reviewed my e-mail it indicated that I gave permission to debit on the XXXX of XXXX and I did not. The agent that I did not get paid until the end of the month.I called the mortgage company and they indicated the payment posted and I should be fine. a few days later I still show a balance in my checking and I called my mortgage company and was told that the check was returned. I will now have a delinquent credit report for XXXX and possibly a property inspection and a threat of foreclosure. I am quite upset as would anyone. I take my mortgage very seriously. I want {$19.00} fee back and I want my credit corrected ASAP or I will take legal actions. I knew this would happen because there seem to be a language barrier between I and the agent. I also want the recorded call pull for verification of this error.