23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : The following account are not mine : XXXX. XXXX XXXX XXXX {$14000.00}. Opened XX/XX/XXXX, XXXX. XXXXXXXX XXXX XXXX$4700.00}. Opened XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX {$31000.00}. Opened XX/XX/XXXX, XXXX. XXXX XXXX {$0.00}. Opened XX/XX/XXXX, Please remove it from my credit report. 
In accordance with the provisions outlined in the Fair Credit Reporting Act, I hereby request a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that can not be verified by the creditor must be promptly removed. I am aware that as per XXXX U.S.C. Sec. XXXX ( a ), this reinvestigation must be completed within 30 days upon receipt of this letter. 

Please send an updated copy of my credit report to the address provided above. According to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past XXXX months of any necessary corrections. 

Thank you for your attention and assistance regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid for and nobody wants to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I pulled my credit report around XXXX XXXX 2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XXXX XXXX 2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help.
Product: Credit reporting or other personal consumer reports

I have fraud XXXX and XXXX XXXX on my credit. Still Experian has let unauthorized access to my credit file. 

Incident Happened today XX/XX/2023. Just checked my file .... Since i did not pay for there subscription. They have removed the locked and fraud alert. 

I want to see what the CFPB and FTC will do
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX
Product: Student loan

When I was married, my ( ex ) husband and I consolidated our loans into a spousal consolidation. He filed for divorce XXXX  months later. Our divorce settlement ordered him to be responsible for the debt of the loan. He has failed to pay the loan and deferrred it for multiple years, without my consent. My understanding is that BOTH spouses must qualify for financial hardship. Im a XXXX  and make an income that wouldnt have qualified me. My ex either forged my signature or falsified information. Navient never contacted me to verify my income, and deferred the loan multiple times. Now, years later the interest has almost doubled the loan. My ex has stopped making payments. Ive been forced to make the payments for the last 3.5 years. We are on the income based repayment plan and the reduced payment is $ XXXX/month. Im struggling to afford this and also know its only paying the interest on the loan, which is {$160000.00}. My portion of the loan is only {$27000.00}. Im exasperated that Im held responsible for all the interest and that Navient never contacted me to verify my income. They approved the deferement without my consent. This is very wrong. I realize that Navient doesnt care about our divorce agreement. I would like to pay for my share of the student loan and not be responsible for my exes share. This isnt fair! Ive consulted with attorneys, but Id rather communicate directly with the server or government. Please let me know what I can do. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report Ive noticed that someone apply for something in my name I reached out to all creditors neither one could give me any info of where these inquiries came from the only action they gave for me to contact you guys. I dont recall giving any of these companies permission to pull my credit. Under the FCRA LEGALLY these MUST be removed
Product: Credit reporting or other personal consumer reports

I kindly ask for the blocking and removal of these inaccurate accounts from my credit report, as I did not authorize their inclusion. It is essential that this misleading information be promptly eliminated from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice from Equifax account had been compromised. went to site 2x, filled out form. received tag saying link would show up w/in two days. Nothing. phone number on site was dead. dug around, on XX/XX/XXXX called XXXX '' XXXX '' answered. got same line of " please be patient. '' when pressed he ADMITTED Equifax did n't know IF it would-or when-be ABLE to provide the services promised.
Product: Prepaid card

I have no access what so ever and the company will not even speak toe on the phone. It's when XXXX was going on and I was receiving my benefits on my card from serve. I received 1 or 2 deposits I believe then I received another one and the deposit was accepted but I couldn't use my card. I called them they told me my card was permanently suspended so basically I couldn't do anythig or even talk to that department I would have to write them. I called a few more times they told me to call the company who deposited the money. So I called the pandemic unemployment for Arizona. They said that serve accepted the deposit they are responsible for giving me the money. Even if they say some term or agreement was violated that they should not have accepted the deposit then but because they did they need to give me the money. Serve then asked me to have XXXX put some fill out some form I can't remember the name it's a bank form and again XXXX said they never heard of it and it's not them and that serve needs to release my money. I have gone round and round with them. I told them to close the account they said no suspended permanently that way they can hold money I told them they can't keep it forever they said eventually they would release it to the state it came from. However still I could not talk to the department that handles my issues. It's been 5 years XXXX is no longer I just want my money
Product: Credit card

I recently applied for a Citi Bank credit card through XXXX. I was approved by Citi Bank and told I would receive the card with activation instructions within 7-10 days. I attempted, unsuccessfully, to activate the card by using a Citi Bank internet activation site. I tried to activate the card by telephone using a Citi Bank toll free number. When I reach this latter site I was bombarded with a continuous stream of " special offers '' all of which I declined. I stopped declining after XXXX ( XXXX ) streaming " special offers ''. Citi Bank 's phone activation site would not allow me access to what I wanted to do. I was so taken back by their brazen manipulation that I decided to not activate the card. Citi Bank sent me a welcoming email two days later. I replied to the email requesting immediate cancellation. They responded that they could n't respond to my cancellation request and that I would have to use a statement to do this. I do not trust Citi Bank 's process and I want to receive a clear instruction as to how to cancel this card. Again, I did not activate this card, I do n't want it, and I do n't want it on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX Experian and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward cusumer-provided provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Closed accounts that are on file are a result of identity theft I have reached out several times about these items that will be listed below. 

Applied Bank Opened XX/XX/XXXX XXXXl XXXX Opened XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received at late fee on my Capital One Credit Card account ending in XXXX on XX/XX/XXXX.Due to the pandemic I have been facing difficulty & asked for this fee to be waived. When speaking with a representative I was told the late fee could not be waived & the representative could not tell me why- further stating the computer does not give the reason for denial. I did hear another representative issuing a fee waiver for another customer while speaking with the representative.Capital One is refusing to extend the same courtesy to all its cardholders, which is discrimatory, why am I not given the same courtesy as other cardholders- furthermore why is Capital One refusing to give a valid reason as to why Im being denied the courtesy. Capital One wants to avoid admission by creating a false narrative- blaming the denial on a computer generated system. Computers are programmed to operate as intended- it is unethical for a company to deny a consumer the same courtesy as all cardholder- that is infact discrimination, while blaming the denial on a computer generated & refusing to give the cardholder a reason for the denial. I spoke with a representative in a leadership position by the name of XXXX XXXX & was told I could not be given more information the system simply said " I did not qualify '' - however- Capital One has stated cardholders are given a courtesy each year, XXXX reminded me I was given a waived fee in XX/XX/XXXX ( during the pandemic ) ; it is now XX/XX/XXXX- the pandemic is still affecting milliions of people- why am I not given the same courtesy as other cardholders for the XX/XX/XXXXyear.? Capital One is using discriminatory practices by not offering the same courtesy to all its cardholders, this is unethical, discriminatory which is illegal.
Product: Checking or savings account

On XX/XX/XXXX, I submitted a claim for an ATM withdrawal of {$660.00} made on XX/XX/XXXX, which I did not authorize. I noticed the withdrawal the same day and immediately blocked all my cards and contacted Bank of America to report the issue. The bank has since claimed that I approved the transaction and used my PIN, but I did not approve it and do not have the card in question with me. 

On XX/XX/XXXX, I received a letter stating that Bank of America would be reversing the temporary credit for the disputed transaction. The letter also mentioned that if I had concerns, I should contact them for the documents used to make their decision. 

I called Bank of America on XX/XX/XXXX to request these documents, but I did not receive an adequate response. They indicated they had no proof, yet they continued to deny the claim. They also asked me to provide proof that I no longer had the card, which is illogical given that I did not make the withdrawal in the first place. I have never made an ATM withdrawal in XXXX, and the bank should be able to verify this. 

On XX/XX/XXXX, I called again and was told that the back office does not reach out to customers directly. Despite this, the bank has continued to refuse to approve the refund. They previously mentioned on XX/XX/XXXX that someone would contact me with further information, but I have received no such communication. I am extremely concerned that Bank of America is not protecting my money or personal information. They are basing their decision on a text message I never received and an app that could be easily hacked. I am requesting that the bank provide verifiable proof that I made the transaction, as they have not done so to date. I still have not been reimbursed for the {$660.00}.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!! 
THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX  Date open_XXXX Account Number XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account Amount_ $ Account Name XXXX XXXX Date open_XXXX Account Number_XXXX  Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount $ Account Name XXXX XXXX Date open_XXXX Account Number XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount_XXXX  Account Name XXXX XXXX Date open_XXXX  Account Number_XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT Account Amount_ {$860.00}
Product: Credit card or prepaid card

My Account is in good standing. Bill to American Express Platinum is due XX/XX/2018 but as of a week ago American Express has been sending me numerous emails saying my card is frozen. I called and told American Express that my bill is not due and I should be able to use my PLATINUM CARD until I fail to make payment. It is misleading therefore for company to state card has no limits! It looks like some kind of racket that should be investigated. I am going to rethink my relationship with American Express. I don't like second class status!
Product: Credit card or prepaid card

I have had a card with them for years and had financia hardship. I went on a payment plan and within a year it was paid off. Now when this happened again they did nothing to contact me or attempt to make a plan and sent it to collections without my knowledge. This is illegal and I demand retraction immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DELETED ON XX/XX/ AND WAS RE-INSERTED W*O NOTICE TO CONSUMER.
Product: Credit reporting or other personal consumer reports

This is in Reference to the following : XXXX XXXX XXXX XXXX XXXX in Transunion XXXX XXXX Confirmation Number : XXXX XXXX. Case Number : XXXX Although my previous filed complaints with Transunion and XXXX were still OPEN, since they have already sent me a correspondence about the results of their reinvestigation, I need to make a secondary complaints today because I am very dissatisfied with the result of their investigation with the said Creditor, Their information don't jive with each other. It seems that they fail to communicate with one another resulting in various interpretations on this one single item that they have furnished on my credit file.

I find it really unfair on my end because this is ruining my name and character as a consumer. My credit profile reflects my creditworthiness as a person and improper delivering of information may result in giving other creditors some negative perception by judging my credit capability.
Product: Checking or savings account

Bank America Accounts Ending XXXX I opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. 

XXXX XX/XX/XXXX I opened a Safety Deposit Box at XXXX XXXX Bank America Branch in XXXX CA. I Deposit my Mother ; Grandmother ; Great Grandmother ; Wedding Ring value {$50000.00} As a Historical Heirlooms 18 Karat Gold ; 1 Carat RubXXXX Stones ; AND 2 Carat Diamonds Cute Wedding Historical Heirlooms from XXXX Era. 

XXXX Covid 19 requires Bank America close 25 % Branches in California downsizing. 
XXXX Covid 19 Pandemic Layoffs Governor XXXX XXXX Ordered stopped Payments 60 days on XXXX XXXX Edd Unemployment benefits due to Massive fraud. 
XXXX Bank America seized my {$3000.00} Certificate of Deposit Account that was linked to My Safety Deposit Box contains Mother 's Historical Heirlooms {$50000.00} 3 Carats Golden Diamond Wedding ring and sold the Ring to State Of California due to no transfer $ XXXX  yearly annual Safety Deposit Box fee from the Covid 19 Seized Certificate Deposit Account linked to Safety Deposit Box with Mother 's Golden Diamond ring {$50000.00} Heirlooms. 

XXXX Covid 19 Bank America closed 25 % Branch in California and XXXX XXXX XXXX XXXX XXXX California where my Safety Deposit Box Mother 's {$50000.00} Golden Diamond Ring Heirlooms. 

Bank America has had my current address since XXXX Opened Current Bank America accounts moving XXXX from XXXX California to XXXX XXXX and Present Residential XXXX XXXX XXXX XXXX CA. 

Bank America never called or notified Any my XXXX
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 transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allows 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 recently pulled my credit report for the week as I do weekly due to me being a victim of identity theft. I noticed that a CHARGED-OFF account from XXXX was re-aged across all 3 credit report agencies. This account was first reported delinquent on my credit report on XX/XX/XXXX. As of today, showing across all 3 credit reporting agencies the account has been re-aged showing a " Date Reported '' XX/XX/XXXX. I also received several alerts and emails on my credit monitoring services stating that a " new '' account was reported delinquent. 

Since this false and illegal reporting it has dropped my score over 50 points, and has halted me from continuing to purchase my first home. This account has already been disputed by all 3 credit bureaus back in XX/XX/XXXX, with no results after the 45 day investigation. 

The account is a XXXX account ( XXXX ) in the amount of {$3800.00} and once again the original delinquent reported date was XX/XX/XXXX. This is violation of FCRA Section 623 ( 5 ) ( A ).

I need this account removed immediately from all 3 of my credit reports. I've attached several other CFPB complaints pertaining to this company and their illegal practices in debt reporting.