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

After a Dispute with trans Union they applied an extended fraud alert without my consent and listed my phone number incorrectly. The last for of my phone number was listed incorrect my number is ( XXXX ) XXXX transUnion had my number as ( XXXX ) XXXX. Causing massive issues. I applied for an account with XXXX credit card and received a letter listed below with reference number XXXX, that stated they were unable to verify me, and gave me a number to call. I called XXXXXXXX XXXX XXXX XXXX  at XXXX and spoke with XXXX an account manager for XXXX XXXX XXXX XXXX, and I explained the situation and let her know I had transUnion correct their mistake and asked her for a reconsideration. XXXX told me that she could not offer me a reconsideration and that I would have to apply all over again receiving another inquiry.
Product: Debt collection

On XXXX/XXXX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XXXX. I informed XXXX in XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XXXX XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by two collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second is XXXX out of XXXX, IL. I wrote certified letters to XXXX executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XXXX XXXX, I would have to go to court to get this. I just received another letter from AFNI saying that they verified I had an account with XXXX. That is not the same as verifying that I owe the charges they claim. I want this harassment from XXXX and AFNI to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance in this matter.
Product: Checking or savings account

My husband XXXX XXXX XXXX passed away on XX/XX/XXXX, XXXXWe had a high yield savings account with NYCB My Banking Direct which merged with Flagstar. 

In XXXX I called and notified them of his passing and asked to have his name taken off the account and put it in my name. They gave me a phone # and told me to send the death certificate along with a letter of intent to them electronically. I did this and heard nothing from them. 

In XXXX, I sent it in again to the same number. I heard nothing from them. 

In XXXX, I had what they call a secure chat with them by logging on to the account on the computer and was told to mail the letter of intent along with the death certificate to the legal department. I did that and heard nothing, no response from them. 

I gave them time thinking things got slowed down by the holidays and I knew they were in the process of merging with Flagstar. 

In XXXX I went on line to see if they had left any kind of message on the secure site and found out that I had been locked out of the account. I called My banking direct and and was connected to a woman named XXXX who said she worked for Flagstar. 
She was very rude and told me that it was my husband 's account not mine and she couldn't talk to me about it and that was why I couldn't access the account. She told me that I would have to hire a probate attorney to close out the account if I wanted the money. 

I hired a probate attorney. She sent me to the courthouse to get a letter of qualification and she filed the paper work to close the account. Two and half weeks after they received the paper work I still had not heard anything. I called to speak to the lawyer and she called the bank and they told her I had to write a letter to authorize her to close out the account. I did that. Now it is XXXX and I still do not have my money and they keep stalling not just me but the lawyer also. I have been trying to deal with these people since XX/XX/2023. 

I am XXXX XXXX XXXX. I having to deal with the death of my husband and the bank is stalling. My name is on the account, I am the beneficiary of the account and the will leaves me everything. They have over a XXXX XXXX dollars of my money and seem to intend to keep it. I don't understand how this can be legal. This was out life savings and all this aggravation is not doing my health any good. There can be no question that this money belongs to me and I don't know what else to do. I have already spent over XXXX XXXX dollars with a lawyer who hasn't gotten any further than I did. 

Please help me if you can.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Repossession on Credit Report Dear Sir/Madam , I am writing to dispute the accuracy of the repossession listed on my credit report under the account with XXXX XXXX for the loan of XXXX. I am requesting that this entry be investigated and removed if found to be inaccurate, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605, which mandates that negative information be removed after 7 years or earlier if the information is incorrect. 
The repossession was reported on my credit file as seen below as of XX/XX/XXXX, and I believe it may be inaccurate due to The open date on all three credit reporting agencies is incorrect. Date of last activity is different on all three credit reporting agencies. Highest balance is different on all three credit reporting agencies. Date reported is 6 years after the closed date and this date is different on all three credit reporting agencies. Additionally, I would like to note that under the Fair Credit Reporting Act, inaccurate or outdated information must be corrected or removed, and I am requesting that you conduct an remove this from my credit report Please investigate the dispute and notify me of your findings within the 30-day period as stipulated under the Fair Credit Reporting Act. If you require any further documentation or clarification from me, please let me know. Please be aware that each violation of inaccuracies carries a XXXX penalty and if not removed, I will proceed with legal action. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the update to my credit report. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX last 4 of social Account number XXXX
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX nAlleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00}.
Product: Mortgage

I have been making my mortgage payment in  2  equal payments prior to my due date for the last 2 years. suddenly over the last 3 months payments have been applied improperly and I have received calls asking when payment will be made. When I looked on my account on their web site the receipt of my payment is logged but entered onto account improperly  (  according to them  ) . I am promised that the problem is being fixed and then ( I 'm on hold right now with them ) the next month I receive a call again. Very annoying and time consuming when I am making my payments on time. This time a late payment is added. I 'm told it will be removed. I have been patient long enough. Last year it was my escrow account they mishandled. Very poor processing of payments.
Product: Credit reporting or other personal consumer reports

XXXX they took numerous amounts of money for me every month promising to fix my credit which in the end did not fix it at all just took my money for several months they made judgments disappeared temporarily but came right back so they took close to {$1300.00} for something that did not work or help me they lied to me
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 TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THIS ITEM IMMEDIATELY OR MY ATTORNEY WILL BE INVOLVED! THIS INFORMATION IS ENTIRELY INACCURATE AND INCOMPLETE AND AS SUCH REPRESENTS A VERY SERIOUS ERROR IN YOUR REPORTING!!
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached XXXX NOTARIZED Identity Theft Victim Affidavit. After 4 years, I am understandably not happy with the 90 Fraud Reinvestigation Discover responded with on Consumer Financial Protection Bureau Complaint # XXXX. After theft of cards in XX/XX/2017, I was in hospital for 5 days in XX/XX/2017 for emergency XXXX XXXX XXXX. And again, in XX/XX/2017. I was in the Hurricane Harvey Flood beginning in XX/XX/2017. The thief is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have already sent information that I easily XXXX reflecting credit card abuse, forgery, impersonation, and false pretenses. Also attached is a letter I sent to XXXX XXXX XXXX XXXX regarding more fraud and impersonation from XXXX XXXX. She was able to get on my company insurance for several months and was getting pills from a doctor.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). 
Unauthorized Inquiries : XXXXXXXX XXXX XXXX XX/XX/year> *XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX ( XXXX XXXX. XXXX ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 

I demand immediate action to resolve this dispute. Specifically, I request the following : XXXX. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries. 
XXXX. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Debt collection

I was contacted by Conns on XX/XX/2016 to make a payment, they wanted to set up a payment to come out of my checking account on Thursday, XX/XX/XXXX, I told them I could not set up an automatic payment for that day, I had to see what I had in my account and then I would call them, he then said he could put on Sunday, XX/XX/XXXX, and I agreed to this for a payment in the amount of {$130.00} for that date. On Friday, XX/XX/XXXX, I logged in to my bank account and seen that Conns took the money in the amount of {$130.00} out, this was not agreed on, on the phone call the guy would say on Friday, I corrected him twice. 
When I called Conns on XX/XX/XXXX, to complain that they took the money out 2 days early and that it caused an over draft on my bank account. ( XXXX @ {$29.00} = {$87.00} ) they told me that a supervisor would have to review the phone call and someone would call me back that day, no one called, so I called them back that evening, they told me the same, someone would have to review the phone call recording and get back to me, but I never got a call from them, so on XX/XX/XXXX, I called them again, this time they told me they needed 72 hours, or 3 business days, which means it would be Tuesday before someone would take care of this, in the meanwhile what little money I did have, I can not access because my account is in the negative for them taking out the money before the agreed upon date. 
They were supposed to take out the payment on XXXX/XXXX/2016 of {$130.00} then, instead they took the payment 2 days earlier on a date that I did not agree on, they said they would have to review the phone call and then they would let me know, they said someone would call me on the XX/XX/XXXX, I did not get a call from them, so I called them and they said the same thing, that someone would call me. I called them back on XX/XX/XXXX, now they said they need 72 hours to review it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have no connection with the said accounts listed. Please help me. 

Someone even has an eviction in my name in Florida. Which I never lived I lived in XXXX XXXX  my whole Life I have no dealings with XXXX XXXX I have no dealings with XXXX XXXX I was never late on my XXXX XXXX XXXX please correct this.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Correction of Credit Report Discrepancies To Whom It May Concern, I am writing to formally request an investigation into several inaccuracies found in my credit profile, as maintained by LexisNexis. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete credit reporting.

The specific issues pertain to accounts that should have been marked as " Included in Bankruptcy '' following my XXXX  XXXX bankruptcy discharge on [ Date of Discharge ], under case number [ Your Case Number ] with the U.S. Bankruptcy Court for the [ Name of Court ]. Instead, these accounts are reported without data and in dispute, which does not reflect their true status. Details of these accounts are as follows : XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX XXXX Account Number : XXXX Reported Information : No Data Status : Dispute XXXX XXXX  Account Number : XXXX Reported Information : No Data Status : Dispute I request that LexisNexis conduct a thorough review and correction of these entries to accurately reflect their status as discharged debts under XXXX  XXXX bankruptcy. Attached are copies of the bankruptcy discharge documents and the schedule of included debts to substantiate my claim. 

Additionally, I request a copy of my full file disclosure from LexisNexis to review for any further discrepancies. Please send this report to the address mentioned above. 

Please confirm the receipt of this correspondence and inform me about the steps you are taking to resolve these inaccuracies. I expect this matter to be addressed within the timeframe mandated by the FCRA and look forward to your prompt response. 

Thank you for your attention to this important matter. Should you require further information or documentation to facilitate your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely,
Product: Credit card

This card is associated with Amazon and XXXX XXXX exclusively. They are penalizing me claiming that my payment was rejected after telling me that it was accepted. I had extensive conversations with customer service representatives in XXXX after learning that my account had been closed without my knowledge due to failed attempts to collect my auto payments and they sat on the phone XX/XX/24 and helped me fix the problem concluding that I had an extra digit to the account number or so I thought but again I got a message XX/XX/24 that my account is overdue for {$75.00} I am at work stressed out so I panic and make a payment thinking that I was negligent. Later I reviewed the situation and realized that I didnt have any new charges on the account and this {$75.00} is just a continuation of failed auto payments and interest fees and late charges. I call support and learn that my account is closed again and all I can think about is how this will impact my credit score. How am I liable for two banks inability to work together. The funds were available, auto pay was set up and have done nothing fraudulent or illegal. The same bank account number was listed 4 times because I had to keep entering my account number to make payments manually. I got frustrated so I checked the web for issues with this Synchrony Bank and wow they have tons of complaints from irritated consumers for a bevy of reasons. They failed to connect me to a supervisor and instead transfer me to a account manager who proceeded to over talk me rather than help me with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT LETTERS AND CALLED XXXX, EXPERIAN AND XXXX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.
Product: Money transfer, virtual currency, or money service

XXXX, XXXX XXXX2 two amounts of XXXX dollars was taking through bitcoin. 
XX/XX/XXXX two separate amount of XXXX dollars was taking from my account. I reached out to them in the app no one was able to help me regain access to my XXXX dollars that had been stolen over the course of two days
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous of time and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety