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

I have gotten a letter and email on XX/XX/2019 regarding a dispute i submitted to Equifax credit bureau regarding the information they have on my credit report that is not correct because of my ex boyfriend getting into my credit report file and using my social security number. He has my last name changed to his last name XXXX and i have never been a XXXX but Equifax makes me log in with that last name and his address being XXXX XXXX XXXX XXXX sc ive not lived there for 5 years now and i am unable to answer any of the security questions on my credit file history because i didn't open the accounts they are asking me to give answers for. 1 time i was able to log in but i had to call and stayed on the phone for 1 hour and a half trying to get them to figure out what the issue was. I cant even open a bank account because they can't verify my social anywhere because Equifax has my credit locked. I have on numerous occasions tried to resolve this. Ive emailed written sent my driver license photo copy with my birth certificate copy as well to verify i am who I say i am. But they have my entire life on hold and locked away and refuse to let me into my own life history of credit or be able to get any credit at all or simply open a bank account for gods sake i been using prepaid and its killing me in fees. I don't know why when I have tried fighting this problem for the last 4 years and they still wont change my info back to the correct info nor will they allow me to change it or be able to get in to fix it because they keep it locked down and keep me locked out. I need my credit report corrected and my credit file unlocked and my social security number released from their grips to be able to survive financially wirh a bank or credit union because right now I've no car no bank account no nothing all because of Equifax locking my life down because of a con artist XXXX XXXX XXXX. Please help me i need to have my credit report unlocked wiped or something rhey are rhe only credit bureau i struggle with and by golly they are the only ones people use for everything so go figure. Calling doesnt work writing doesnt work online disputes dont work and emails dont work how else can i gain back my social security number unless they release it or something
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX I have sent letters to update my address which was wrong on reports no changed made by them.
Product: Checking or savings account

On XX/XX/XXXX, Capital One notified me via email of a transaction from XXXX XXXX ( my landlord ) in the amount of {$6500.00} that was submitted and rejected on XX/XX/XXXX. According to my balance on XX/XX/XXXX, I had {$8500.00} in that specific account. The landlord 's ledger also showed that the transaction failed on XX/XX/XXXX. 

Because the transaction was rejected despite having available funds, my landlord has begun the eviction process and charged a {$300.00} fee as a result of late payment. I reached out to Capital One over the phone on XX/XX/XXXX at XXXX XXXX  ET and offered to show them the balances they said I had, as well as a screenshot of the ledger from the landlord and to credit me the {$300.00} fee but they said there was nothing they could do. 

I had enough money to cover an essential transaction, Capital One rejected it, and is taking no responsibility to help remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDITREPORT : 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, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been longer than 30 days, and I haven't received any investigation results.
Product: Credit card

My account was closed, for transactions I didnt make. As well as they put interest on my account. When I called and told them about this problem they did nothing about it.
Product: Mortgage

I found out recently my loan was behind and I had a new Mortgage company Selene Finance ( They had acquired the loan from XXXX ) Last week of XXXX. I was informed loan payment had not been received in over 12 months I have proof this is wrong that at least 4 payments were made and the rest was an accounting error by my accountant. I called and spoke to XXXX XXXX told me amount behind was XXXX. They would not take a good faith payment from me as the loan was in foreclosure but would have a reinstatement quote ready for me by the XXXX at XXXX XXXX. I called at XXXX XXXX they did not have it I called back every day several time a day. ON the XX/XX/XXXX XXXX said they could not give me information, XXXX told me it would be another day I had to beg to get the amount owed I was seriously getting the run around till a lady ( an XXXX ) name XXXX was able to give the amount and where to send it to. By this time the amount past due was XXXX before the lawyer fees .The total now XXXX. I wire transfected this amount to XXXXXXXX XXXX the next day XXXX XXXX XXXX XXXX XXXX New York Acc XXXX. 
XXXX claims they do not have the money. The money left my account and went into account provided by Selene finance I called Thursday and Friday and they still could not locate it .I sent the copy of wire transfer to XXXX She is the ONLY person who has responded. Today the XXXX i received letters fro the title company that the loan was still behind and could be sold at any time.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX. Account Name : XXXX XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

In the past zelle has sent money and never asked me to confirm individual this has scared me cause I've never had gotten my money back. This has scared me to the point I've sent a dollar every time now even if it ask.
Product: Credit card

I wanted to learn more about the credit limit increase so I clicked the link " Increase Credit Limit ''. The next thing that came up was " Thank you for your request. '' I did not want to request for one I wanted to learn about it. I did not submit any application and the request was denied. So now my credit score will drop against my will because I did NOT apply for a credit limit increase.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've recently checked my consumer reports and noticed that is serverval credit cards that I have NOT APPLIED FOR. THE CARDS GO AS FOLLOWED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked for an " INVESTIGATION " with proof of a proper " INVESTIGATION " " IF '' these accounts are accurate as you state please provide All persons contacted and interviewed involving this investigation If you IF YOU CANT NOT PROVIDE ME WITH PROOF OF PERSONS YOU INTERVIEWED ACCORDING TO THE FCRA LAW I DEMAND ALL ACCOUNTS DELETED! PLEASE PROVIDE ALL OF THE INVESTIGATION PROCESS OF YOUR ACUTAL FINDING REGARDING ACCOUNTS VERIFIED!

15 USC1681 A subsection 3 RULES OF CONSTRUCTION ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Checking or savings account

XX/XX/XXXX - the following debits were posted to my Wells Fargo account - all of the debits are from XXXX in various amounts XX/XX/XXXX. XX/XX/XXXX {$150.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$450.00} XX/XX/XXXX XX/XX/XXXX {$350.00}, XX/XX/XXXX XXXX, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$300.00} I filed a claim with Wells Fargo on XX/XX/XXXX because neither myself nor my spouse authorized these charges. Today I found out WF denied my claim saying 1 ). The charges stopped after I notified them. They sent me a new debit card, thats why the charges stopped. The total amount of these charges is {$7600.00}. The reference number for claim is XXXX
Product: Vehicle loan or lease

Since XXXX of XXXX I have been charged with late fees on my car note each month and it have damage my credit report so bad. I have talked to people so many time and nobody never responded or call me back. I also was over charged on the car. They wanted XXXX for a XXXX XXXX  on a XXXX. I need some type of help with removing the extra charges.
Product: Vehicle loan or lease

I, XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid XXXX. XXXX Money order, which clearly states at the bottom that it is a negotiable instrument that I bought and paid for the rights to negotiate. It was made with the proper clauses and provision based on banking law in the amount of {$10000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Navy Federal Credit Union on XXXX XXXX XXXX They accepted my instrument but did not credit my account. I did call today, XX/XX/XXXX and spoke with XXXX in the charge off department. The phone call was recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what I provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. They stated that the Money Order was a " bad check ''. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

I've also provided them with reading material on 'The Bank Act of 1933 '. 
Attached are all correspondence I've mailed to them. 
When they returned the full payment to me, they also included a response letter to one of my correspondences. That letter came past the 30-day request period. It did not answer any questions I had from my letter. The envelope they mailed also included detailed information of another member I have no business knowing about. Not only have they not upheld their fiduciary duty with me, but they have also failed their confidential agreement with others.
Product: Credit card or prepaid card

I had reached out to American Express more than 2-3 weeks ago to talk to them about refunding a credit in the amount of {$19000.00} I spent considerable amount of time over the phone and i was rest assured that a check would be mailed to my mailing address within 7-10 business days. 

I followed up with the earlier this week most likely on XX/XX/19 to get the status, and was first told by the representative that no such request was initiated and then was told that there was a glitch in the system. I expressed my frustration and was told that a new request was being made, verified by mailing address and said this time for sure a check will be mailed out within 7 business days. The representative also said he will lodge an inquiry to the previous call but I would have to followup with them to get a status. 

I followed up again today XX/XX/19 and was told that they had a wrong address to which the check was mailed out that involved a PO Box . I told them I had not provided any such address and demanded to speak to a supervisor. I was on the phone for more than 40 minutes and again was rest assured that the refund shall be issued to my bank account free of charge by Wednesday the latest and that the supervisor shall personally followup on Monday and Wednesday. 

It seems they are not willing to refund my money and every time I call, I get a run around, hollow apologies, false statements. This is not only poor customer service but they are deceiving their customers. 

I can not wait any longer to receive my refund and therefore am lodging this complaint.
Product: Debt collection

Suntrust calls me every day 6 times a day sometimes every hour
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX/XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer Safety.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report. I noticed my account was not reporting accurately. It shows that I had two late payments that was in fact paid on time. The creditor reporting need to report all information with complete accuracy. My account have not been late on an payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting more investigation on this matter and verifiable proof with records showing that I had late payments. If this information can not be verified please update payment history to paid on time. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Over the past two years, my credit rating has dropped XXXX points due to a poor rating from Navient Student Loans, now XXXX. In XXXX, during the XXXX pandemic, when my student loan payments were suspended by the federal government, XXXX reported the following monthly payment to Experian, XXXX and XXXX as XXXX : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. To correct this error, I contacted Navient/Aidvantage by phone XXXX XXXX, XXXX to have the incorrect information remove. I was informed by a XXXX representative that I had to contact the 3 credit bureaus, as XXXX took no responsibility for the misinformation. Therefore, on XXXX XXXX, XXXX, I filed online credit report complaints with Experian, XXXX and XXXX. About 5 days later, the XXXX credit bureaus informed me by email that the erroneous information would not be removed because it was reported to the bureaus by XXXX. Therefore, I was instructed to contact XXXX to have the incorrect information removed. However, as stated previously, I had already contacted XXXX before filing online complaints with the XXXX credit bureau. Essentially, the XXXX credit bureaus and XXXX XXXX not taking responsibility for the incorrect information that dropped my credit rating.
Product: Bank account or service

A bank fraudently claimed ownership of land that isnot there property. In an attempt to sell a home they rippeddown posted signs, removed a house trailerand sold it, and trespassed. They refuse toreturn any phone calls and will not talk to lawenforcement. They are attempting to sell a propertywithout a proper land survey, then leave the messto my family and the new land owner in an effortto make a quick profit- this is fraud. The Bank is Sun Trust. 
The land has been in my family for about 100years with well defined borders. The addressis next to the banks land at XXXX XXXX XXXX PA. I have attempted to call SunTrust 18 times, they will not respond. I filed a policereport with the State Police, but they hang upon law enforcement and refuse to answer anyquestions. They hired a people to illegallytrespass, rip down posted signs and stealproperty- an RV home. This all is an attempt toile a quick saleand profit before law enforcement can react.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

ABILITY RECOVERY SER Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$820.00} ;
Product: Checking or savings account

Capital One has been having issues processing ACH deposits since Wednesday evening. As of today, my salary deposit has not been made available, and Capital One is unable to provide an estimated time for resolution. They sent an email last night stating that the issue would be resolved by this morning ( Friday, XX/XX/year> ), but my deposits have still not been settled.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I recently transferred my business account to a Delta American Express card. However, I have encountered XXXX significant issues that I would like to address : XXXX. Misleading Reward Points : During the application process, the AMEX website advertised a generous offer of XXXX reward points. However, after my application was approved on the same day, I was informed that I would only receive XXXX points. This discrepancy is concerning as it influenced my decision to choose this card. 

XXXX. Account Freeze and Documentation Request : After my approval and the successful migration of my business activities to the AMEX card, I suddenly lost access to my cards. AMEX refused to accept payments to my account from my linked account and requested additional documentation. While I promptly provided the required documentation, my accounts remained frozen for an extended period of XXXX days, causing significant disruption to my business operations. 

I understand the need for account reviews and document verification, but I believe these processes should have occurred before approval, especially since I had already linked and connected all my business activities to this card. The situation has resulted in considerable inconvenience and business disruption.

I would appreciate a prompt resolution to these issues, including the fulfillment of the originally advertised reward points and a review of your account approval process to prevent similar disruptions for future customers. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

The issue was on the processing date of the payment. I submitted the payment on time but it was processed after the monthly payment date causing the payment to report as late. 

Since, I have requested from XXXX Bank, the creditor, to reverse the status and they went ahead and reversed the status internally and sent me an email which I will attach.