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

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else mine : ( 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. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Product: Mortgage

My loan was acquired on XX/XX/XXXX and it was required to have FHA insurance on it until we reached 78 %. It should have fell off automatically since it was acquired before XX/XX/XXXX. 

I had requested by phone twice in XXXX to my local fifth third branch to remove it when it was not done automatically. I was told it would be removed but it was still on my XXXX payment and it went out, for {$72.00} Fast forward I even emailed corporate on XX/XX/XXXX to have it removed for XXXX payment. I called today XX/XX/XXXX to check on the status and was told I will need to pay again in XXXX and it wouldn't be removed until after that. I told them that was not correct and that they are breaking the law not removing it. The lady would not give me her name and she hung up on me. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An account for XXXX was opened in my name, using my bank account and personal identification information. I first was made aware by the bank, then later discovered several accounts that were opened with my name. One of the accounts was XXXX which was reported on TransUnion XXXX and possibly XXXX. I then made a new police report to include all information I had about the account and submitted that along with the identity theft affidavit provided by uplift. I have been calling and leaving voicemails and emailing to be able to speak with a human with no response from XXXX. However, the company continues to respond to the credit bureaus by updating the fraudulent account to show a XXXX balance which was paid once the bank finished their fraud investigation and refunded me for fraudulent activity. 

XXXX will not work with me to resolve this complaint. The company continues to report false information even after I did everything they asked me to do to resolve it. The company is negligent and it appears that further legal action is required to resolve this matter.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification from RelayFi https : //relayfi.com ( a " XXXX '' organization not a bank ) to verify activity on my account. Upon checking, I noticed 2 charges originating in XXXX and another charge made to an organization in Oklahoma ( a state where my company has no customers or vendors ). Neither were authorized by my company. As a matter of fact, the charges were against the virtual card number issued by RelayFi when the account was opened. I never once thought of using that number for anything. I've never even used the physical debit card. I responded to the notification confirming these are fraud, and I was contacted the next day by the XXXX Department to answer their questions. 

On XX/XX/XXXX, I receive an email from the Compliance Team of RelayFi informing me that they are closing my account and disbursing the funds in it to me. Confused because, the account had never been overdrawn and there is nothing illegal about my business, I asked them for an explanation and they didn't provide one. At the time of this complaint, I still don't know why. 

It is now XX/XX/XXXX, and I still have not received the money that was in my account. In all of my years of banking, I have never experienced anything like this. They're hiding behind conducting an investigation, but I'm not sure what they'd be investigating. They decided to abruptly close my account. Are they investigating themselves?? My business has been disrupted, and I can't begin to explain how violated and helpless I feel. 

To anyone reading this, DO NOT do business with these folks. There's no need for them anyway. Go to directly to a bank or its website yourself and open your account.
Product: Money transfer, virtual currency, or money service

I've sent the following message to U.S. Bank several times about a wire fraud committed almost a year ago and U.S. Bank has not cooperated with my bank ( XXXX XXXX XXXX ) in the investigation efforts. I've even been in touch with XXXX 's executive office to escalate this issue and XXXX persists that U.S. Bank has not responded or cooperated : I am contacting you in hopes of escalating my recall case to reclaim {$12000.00} made in a wire transfer, on XX/XX/2019, from my XXXX XXXX XXXX account to a fraudulent US Bank account. Unfortunately, the reason for the recall is that I've been a victim of a wire scam and possible identity theft. 

The details of the crime, involving the impersonation of the FBI and local police, are documented in the following ( and attached ) : Police report ( XXXX XXXX Police Department ) : Case # XXXX FBI ( ic3.gov ) : attached FTC : Report # XXXX Consumer Financial Protection Bureau : Complaint # XXXX XXXX XXXX XXXX Recall : Case # XXXX ) This is the fraudulent US Bank account information ( the wire transfer receipt is attached ) : Beneficiary Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX In my recovery efforts, I contacted XXXX as well as US Bank on the same day of the wire transfer to stop the transfer while it was still pending. US Bank representatives would not speak to me in detail because I am not a customer but did inform me that the recipient account had already been flagged for fraudulent activity and added a note to freeze the wire transfer funds. XXXX opened a recall case ( Case # XXXX ) to reclaim the funds. 

US Bank responded to XXXX on XX/XX/XXXX requesting a hold harmless letter, which XXXX is in the process of approving right now. XXXX informed me that after the hold harmless letter is sent to US Bank, I would have to wait 30-90 days for US Bank to make a decision on the recall. 

I trust the integrity of US Bank to not accept wire transfers to a fraudulent account that was already flagged. I hope you can help escalate the recovery of my funds ( {$12000.00} ) as soon as possible. I worry that the longer this process takes, the more time the criminal ( s ) have to move the funds. My case is currently under investigation by the XXXX XXXX Special Victims Unit and if XXXX and US Bank can not help resolve the issue, my next step is to take legal action.
Product: Debt collection

I Have been in contact with this collection agency for several years. balance of XXXX form vandalism on my home by an employee that worked there at the time.Most recently back in XXXX, I called asking how to set up XXXX semi-monthly payments to pay this debt off. I was advised they had sent several settlement letters to my old address, the most recent one expired 2 weeks before I called. I have called and offered payments to settle they refuse to work with me saying they do not take payments. I sent payments they rejected them .No where on the website does it disclose payments are not an option. I ask for a supervisor they do not provide one. ME and my children are homeless because no one will rent to me because of this. They all want proof I have paid, but again that is not an option,. I updated my address XXXX and they still are sending letters to the wrong address. this is a horrible company taking advantage of people. I have been advised to sue by the state of NV as debt collectors for rent are supposed to accept payment but lack the knowledge to do so. There is no relief, no supervisors I can speak with. They keep threatening to report I am refusing to pay every time i call to make a payment.additionally something needs to be done here, as i have attempted multiple times to pay what they are stating i owe and they keep turning down every payment i have attempted to send them, i do not see how they can say they are sending settlement letters when they are sending them to the incorrect address, and when i tell them that they basically say oh well, this is not how a business should be ran debt collector or not, they should be more than willing to work with people especially since covid and other factors have happened. I want them to either write off the balance or allow me to set up a payment arrangement so i can get off the street. I am in contact with XXXX XXXX XXXX and am filing suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion you have been requested in over 100 written communications, since XX/XX/2020, if a liability obligation reported on your credit report requires a signed document evidencing an enforceable auto lease agreement and to provide a copy of this written agreement? 

Your most recent INTERIM RESPONSE to CFPB XXXX We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request. is most recent evidence of TransUnion continuing obstruction and corruption.
Product: Credit reporting, credit repair services, or other personal consumer reports

This summary addresses the issue of inaccurate reporting on my credit profile, which has resulted in the unauthorized use of my Social Security Number ( SSN ) by someone else. I am seeking resolution and assistance from the Consumer Financial Protection Bureau ( CFPB ) to rectify the situation.I have discovered inaccuracies in my credit profile, specifically related to the unauthorized use of my SSN. These inaccuracies have led to fraudulent activities, with someone else falsely assuming my identity and utilizing my SSN for financial transactions and credit applications. As a result, I have experienced significant financial harm and potential damage to my creditworthiness.I have taken initial steps to address the issue by contacting relevant credit bureaus and reporting the fraudulent activity. However, the situation remains unresolved, and I now seek the CFPB 's intervention to ensure a thorough investigation and resolution of the matter. XXXX, Equifax, XXXX both received letters from me dated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each credit bureaus have failed to provide proper validation for the alleged accounts : XXXX XXXX XXXX ( reporting on XXXX ) and XXXX XXXX ( reporting on all 3 bureaus ) None of the credit bureaus have provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. I have requested that all information that could not be properly validated be deleted immediately and my requests have been ignored. Based on FCRA 611 ( a ) ( 2 ) ( B ), Each bureau is required to forward all relevant information provided by the creditor for their investigation of my dispute. All each bureau has done is merely update the account date and imputed my name with the alleged debt. This blatant negligence to be compliant and refusal to take my request for proper validation will no longer be tolerated. The unverified items XXXX XXXX XXXX XXXX XXXX remain on my credit report and are a violation of Federal Law. As a consumer my rights have been violated by the credit bureaus. This refusal to remove the accounts after requesting proper validation is " negligent noncompliance '' under ( Section 617 ) I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TRIDENT ASST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

I opened an account with Apple Savings/Goldman Sachs to take advantage of the advertised 4.15 % interest rate. I actually opened it only to move my Apple cash to this savings account. I was told via text messages that the way to verify my bank account was for me to make a deposit from my primary bank account. 

I made a deposit of {$1200.00} on XX/XX/23. A week later i tried to transfer {$100.00} back to my primary checking and kept getting messages that my account was not verified.

I again reached out to Apple Savings support. They told me it was not yet verified. 

I reached out today, XX/XX/23 and was told for the first time that i needed to call their 800 support number : XXXX. I called and was told i needed to have them call my bank to verify the account number. Verifying via a routing and account number was not acceptable. After sitting on hold for 10 minutes the agent came back online and required me to give my account number or social security number to the bank representative that she had called. I did so only to find out she had called the wrong bank in Pennsylvania and not in my state. They did not track the routing number to the correct bank. So i have now given my account number to people that are not even at my bank. The routing number should alert them to the correct bank. 

The agent then put me back on hold and came back minutes later to tell me she had contacted my bank and they refused to verify my account. I was not allowed to speak with them directly. 

I transferred my funds from my bank account on XX/XX/XXXX. They should be able to transfer the funds back to that same account. All i want is my money back and to close the account. I feel like my money is being held hostage. 

I was transferred to a supervisor, XXXX. She went through a speech that she would verify the transfer process but, i have no resolution. In fact, she transferred me to another " specialist '' and i had to start the verification calls to the bank all over again. I've been on hold for 10 minutes with no feedback. I was on this call for 45 minutes only for them to AGAIN call the XXXX of Pennsylvania. When i told her we started there at the beginning of this call she hung up on me. 

I still have no resolution and will have to call them again to get this verified. I just want my money back.
Product: Credit reporting or other personal consumer reports

RE : EXPERIAN REPORT # XXXX ; XXXX This CFPB complaint constitutes a second written communication for the record. 

On XX/XX/year>, a certified Notice of Dispute XXXX XXXX XXXX XXXX XXXX XXXX was delivered to EXPERIAN with a copy of valid State issued ID verifying my identity & location information, which states my preferred method of correspondence which is furnished on the report stated above as address ID XXXX XXXXXXXX. 

On XX/XX/year>, I received a response letter dated XX/XX/year>, report XXXX XXXXXXXX requesting additional verifying documentation that is personal in nature in order to proceed with my dispute. 

EXPERIANS request for additional verification is irrelevant, excessive, an invasion of my privacy & for their unjust monetary gain at my expense. 

Experian is in violation of the following : - Requesting excessive & irrelevant identity information without lawful authority. 

- Unauthorized access of my personal Private location information without my express written consent ; without lawful authority.

- Unauthorized sharing of my personal Private location information without my express written consent ; without lawful authority.

- Disregarded my preferred method of correspondence & contacted me at my PRIVATE dwelling without my express written consent, without lawful authority.

- Invasion of my Right to Privacy.
Product: Credit card or prepaid card

Capital One caused my credit score and payment history to become terrible. On XX/XX/XXXX of XXXX Capital One chose to change my credit card due date on three credit card accounts that I hold with them from the XXXX of the month to the XXXX of the month. The cycle and payment due date change took affect in XXXX of XXXX. I was able to make the first set of payments but quickly begun to fall behind because I have other debt obligations that are due in the beginning of each month. I made requests with Capital One to change the due date back to its original date in XXXX of XXXX. It wasn't until I filed a complaint with The CFPB In XXXX of XXXX that they immediately changed the due date back to the XXXX in XXXX. By that point the disruption to my finances had already taken its toll and I fell behind. I missed payments in XXXX, XXXX, and XXXX of XXXX. On XX/XX/XXXX of XXXX I enrolled in a payment plan to bring two of the three credit accounts out of their collections status. On the credit account that is the subject of this complaint agreed to make three scheduled payments of {$250.00} starting on XX/XX/XXXX to bring the account back to a current status. I was also informed that If I were to have no other late payments on the account my charging abilities would be restored. I have made every payment that was scheduled and brought the account back to a current status as of XXXX XXXX on both of the accounts that fell behind. I have paid on the accounts with no late payments since XXXX of XXXX up until my most recent payment of {$2000.00} on XX/XX/XXXX. My other credit card account that was in collections was restored in full and was under the same payment plan. Capital One will not restore my other card despite my completion of the payment plan as agreed.I reached out to Capital One on XX/XX/XXXX to see why my card is still showing as being restricted over a year later and received terrible customer service with no help I place three separate calls that were recorder on their end to to their collections department and was hung up on twice after waiting on hold for thirty seven minutes for a supervisor. The representatives that I spoke with have claimed that my account has gone past due in several instances since I entered into an agreement with their department and that Is why I will no longer have the " privilege '' of charging on the account again. When I requested to be informed of the dates when these instances occurred, I was told that there was a system issue and I needed to be placed on hold while the representative contacted a supervisor. After being placed on hold for 37 minutes on two occasions, I was hung up on.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an unauthorized hard credit inquiry performed by Rocket Mortgage on both my and my husbands credit reports. 

On XX/XX/year>, my husband initiated an online pre-qualification application with Rocket Mortgage. During the process, he explicitly stated in writing via their chat system that this should only be a soft pull, as it was for a pre-qualification and not a formal mortgage application. The agent my husband was chatting with confirmed in writing that no hard credit inquiry would be performed. 

Later, he spoke with the same agent on the phone and again explicitly reiterated that we were only seeking a pre-qualification and that a hard credit inquiry should not be conducted. The agent reassured us that no hard pull would be done. However, within approximately 15 minutes of our conversation, my husband received a call from the same agent apologizing and informing that a hard credit inquiry had been performed on both my and my husbands credit reports without our consent. 

This is a clear violation of consumer rights, as neither my husband nor I ever authorized a hard credit inquiry. Following our demand for written confirmation of this error, the agent sent us an email acknowledging that we had not authorized the hard credit inquiry. 

I am formally requesting that Rocket Mortgage immediately remove the unauthorized hard inquiries from both my and my husbands credit reports, as these inquiries negatively impact our credit scores. Additionally, I ask that Rocket Mortgage take appropriate measures to prevent such unauthorized actions from happening to other consumers. 

Furthermore, due to this unauthorized inquiry and the potential impact on our credit profiles, my husband and I have had to subscribe to credit monitoring services for protection. We are demanding that Rocket Mortgage reimburse us for all costs associated with our credit monitoring as a direct result of their error. 

I expect prompt resolution of this matter, confirmation that the inquiries have been removed, and full reimbursement for our credit monitoring expenses.
Product: Student loan

I submitted a SAVE plan request on XX/XX/23. The website informed me I would receive an email from them in 3 business days for approval and if not I would get an email with a status update in 10 days. It has now been over two weeks and i havent heard anything. Today, XX/XX/23, I waited on the phone for 2 hours and 45 minutes before someone answered. I was told that today they just finished processing applications for SAVE from XX/XX/23 so it would be another 3 weeks before I found out if I was approved. I then asked why the website said 3 days for approval and 10 days for a status update and the customer service rep said that was only during normal processing time and that they were having longer than normal processing time but mentioned that no where on the website or via email. In addition, during this time my loans are acreuing interest daily while I wait for the SAVE plan approval and she said she can not do anything about it due to long wait times. So I am ready to start making payments on my loan via SAVE but I am unable to do to the lag in processing time and NelNet can not pause my interest accruing. So I am just being penalized because they are behind on request approvals. They have no updated information on their website that they are behind or anything.
Product: Credit card

I had been using a Synchrony Bank XXXX XXXX ( XXXX ) for XXXX purchases for about XXXX  year. I was an excellent customer, without late payments and no change in credit worthiness. Over this time period, I had accumulated {$2300.00} in XXXX reward points. 

On XX/XX/XXXX2025 my account was abruptly closed by the Bank. When I inquired why, the bank stated that " they have the right to close my account and anytime for no reason '' and that the account was closed by the Bank because my purchasing history suggested I was at high risk for not paying, although I was never late or failed to make a payment. 

In the end, the Bank forced me to forfeit {$2300.00} in the bonus rewards that I had accumulated through XXXX purchases because, they stated, it was because my acct was closed. However I didn't close the acct, the bank did. Finally for the last XXXX months, since XX/XX/XXXX I have been requested the refund check of an of the final acct balance of f {$4800.00}, and have requested this several times but have not received to date. 

It is my position that the Bank owes me a total of {$7100.00} ( {$2300.00} + {$4800.00} ).