23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello CFPB, On XX/XX/XXXX I opened a Betterment Bank Checking Account after seeing it on an App called XXXX. Opening this Betterment account and funding it ( no minimum funding requirement was stated ) meant that I would receive XXXX XXXX points, the equivalent of {$50.00} in gift cards. 

After months of waiting, I never got my points. I contacted XXXX and they replied that Betterment is declining to give me my points because I only deposited {$0.00}. Once again, there was no minimum deposit amount stipulated in the terms and conditions. They are not honoring their side of this deal. 

What XXXX said : Sure thing, XXXX! 

The Betterment offer steps are as follows : You must be a new customer To earn your XXXX  points, open and fund a checking account through the button below You must click the button below and open and fund your account in the same session XXXX points are not eligible on Investing and Cash Reserve accounts As I said, the checking account does have to be funded, so XXXX does not meet that requirement. 

My response : So what you're saying is that the XXXX deposit I put in doesn't count? 

What XXXX said : Hi XXXX, Unfortunately, yes that is the case. We have been told of a couple of blogs that were advocating this that were not associated with XXXX that drove some members to create Betterment accounts with XXXX and other disqualified rates. We've done our best to help correct for this, but it looks like Betterment has declined this particular case already based on the amount of XXXX cents being used to fund the account setup. 

What I said : See that's the thing. The minimum deposit amount wasn't listed on the terms and conditions. I deposited correctly ( sure it was only {$0.00} ) but I fulfilled my end of this deal. 

I opened this account purely because I wanted the points on XXXX. 

What needs to be done on my end to get these points? Should I contact the CFPB and make a case against Betterment? I think that will suddenly make them accept that they have to honor this deal. 

What XXXX said : Hi XXXX, I do hear your point here, but as I said, Betterment has deemed this as insufficient to be considered reasonable funded. We've had several members misled by the blog posts that suggested this, and have had a painful time assisting them because of it. 

_____________________________________________________________ So here we are today. CFPB you're my only hope to rectify this situation. Betterment Bank scammed so many people who opened accounts, got a hard pull on their credit score, didn't stipulate a minimum requirement ( just that it had to be funded during the same account opening which is what I did ), realized their mistake, and now they're trying to put the blame on the customers. This is the definition of a scam. 

Please do whatever you can to help consumers like us from these banks that are trying to get away with scamming us. Thank you so much.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX & XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Payments were made and fraud claim services opened a file on payment of XXXX waiting for refund upon from the consumer or institution
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of disputes, particularly in light of recent crib lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me 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 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: Mortgage

Movement Mortgage I'm very distraught of the lost XXXX Earnest Money, XXXX Inspection, totaling XXXX. The XXXX appraisal fee was was returned to me but the rest of my lost hasn't been addressed. XXXX XXXX requested the closing date be extended and which I agreed and then the loan wasn't approved which made me loose my XXXX earnest money and XXXX inspection money. I would like for that to be returned to me to settle this matter. 

My prior CFPB # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$5400.00}, Paid, closed - 52 charge-offs This account was closed and charged off years ago. 

It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Product: Debt collection

I have no knowledge or ownership of this account. Please provide original proof of debt and ownership ex : Bills, Contracts. my stated I.D,  Signature. any related documents showing I'm liable for creditor debt and collection obligations in question. Please make sure your company is in compliance with Fair Debt Collection Practices Act and also Fair Credit Reporting Act and The Equal Opportunity Act and The Fair Credit Billing Act and The Truth in Lending Act. Please make sure Credit Laws for State of North Carolina and federal Laws are being followed. I will also file a complaint to the Consumer Financial Protection Bureau, FBI, and Federal Trade Commission and creditor and collection agency. If information is not provided in a reasonable time I will file pain and suffering suit in Federal  Court for violation 's ~815 ~808 ~809 of Federal Credit Law. 

National Credit Systems is reporting inaccurate information on my credit report. The account in question is not my account. I have contacted NCS to get this matter resolved just to be cursed at, hung up on, yelled at, not giving me any information and very unprofessional. I filed a XXXX   complaint and in there response NCS lied and stated that they were reporting a different name on my credit report. This company has taken advantage of me and I need someone to investigate this situation As you will see in the documents attached NCS has lied to the XXXX  in reporting XXXX  XXXX XXXX on my credit report and as You can see NCS is actually reporting XXXX  XXXX XXXX on my credit report. Neither of the accounts belongs to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information on my credit report. This is my attempt to resolve this issue, and I am deeply frustrated with the lack of response and resolution from your agency. These accounts are inaccurately reported as late and charged off. I have made multiple attempts to resolve this matter, including providing documentation and evidence that these accounts were closed in good standing and should not be listed as late or charged off. I am requesting that these inaccurate entries be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. These are the following accounts that are needs to be removed : XXXX. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. 
This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX. XXXXXXXX XXXX XXXX Balance Owed : {$750.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been chargedoff or placed for collection. Please delete this account immediately. 
XXXX. XXXX XXXX Balance Owed : {$140.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due as stated. 
That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. The balance is truly incorrect, if possible, replace it with XXXX or eliminate the item certainly. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, XXXX 's, and Transunion 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, XXXX, and Transunion have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Consumer reporting agencies, including XXXX, XXXX, and Transunion , are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer. 

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy. 

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions. 

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, XXXX, and Transunion to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times to please stop reporting as missed payments when its actually taken out my check every 2 weeks the amount agreed!!! since the mother abandoned my XXXX  girls with me I did an affidavit of possession and got notarized!!!! they said since I have my kids they hold the money they take out my checks!!! their computer shows as not being paid since they have a hold on the account and they not giving the mother the money!!!!! it still gets taken out every 2 weeks out my work check, im not behind on payments, in fact im overpaid because they took my stimulus!!! 
the texas attorney general said since the computer is not dispensing the money its lie I owe it!! I cant file taxes or anything till finalized in court!! I firmly believe since the payments are being made but just on hold on their end it shouldn't go on my credit report as never paid or 20 missed payments!! I can send the order from court in 2018, send check stubs and anything else that may help remove that!!! its the only negative thing on my credit!!! I will include all payments from the texas attorney general website that I have made they claiming I never made 1 payment!! 
thank you for your help and anymore information you need let me know ill supply all documents needed to prove it!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I deposited a check to my chase bank account given to me by a customer for providing services of doing work on her house. I deposited this check on XX/XX/2023. The check was on hold until XX/XX/2023. Once the hold was released off my check I tried to withdraw money and transfer money with no success. I called chase and informed them of my problem. They responded to my problem saying that there was a restriction placed on my account due to the check but the money was available I just cant use it cause they werent able to get in contact with the makers. I was not informed of this restriction prior to this problem. Now my account is suspended and due for closure because chase couldnt verify a check that a hold has already been lifted off of. I dont see how that is my problem. I have a deposit that had to be paid on my new house and I cant even get my money out of my account! I dont have time to wait for them to close the account and send me a check via mail! This is extremely inconvenient for me as I told my landlord that I would have the rest of my deposit when my check cleared on XX/XX/2023. I have XXXX kids and we have been in the process of moving for about 2 months. I have been waiting to get this over with but Im having no luck with getting the restriction off of my account. I just want my money in a timely manner. I am disappointed at the lack of communication and the lack of urgency chase has displayed during this unfortunate situation. If someone could get back to me ASAP I would greatly appreciate it. I just want to go get my money or have it transferred out of my account so I can pay my deposit for my house!
Product: Credit reporting or other personal consumer reports

My identity was compromised and the accounts are not mine. I have paid the balances, and settled in some cases to try and fix this. I need the accounts to be removed ; deleted because they are not mine and they are reporting to my acct. 
I will settle ; and pay the balances for the deletion and removal of the accounts. I suspected identity theft XXXX when my wallet and cards were either lost or stolen during a rough period of homeless that I was experiencing ; my accounts and info were compromised and possibly stolen & there are errors on my report. Reflecting accounts that are not mine or that were taken over ; please assist me in having these accounts removed and the errors deleted so that I could have an accurate report that reflects accuracy/ correctness in reporting as provided by the law. Please advise. XXXX I have been settling the accounts and paying the balances the information is incorrect and the reporting has errors. The accounts are all closed for the most part but are still reporting to my credit report affecting my credit score and providing me a credit report with errors of accounts and balances. I accepted that Id have to pay the balances ; and settle to get these errors fixed, and removed but. Error is still flooding my credit reports and the companies are unwilling to delete the info and remove the reporting error ( s ). Action is needed from the creditors to fix/ remove all errors as reported and accurately make report of all accounts. Please assist me by removing the information and deleting the errors from my credit report. As Ive been paying balances from a suspected identity theft and fraud. Maybe the companies will delete the errored accounts and info and we will be able to move forward with acct reporting ; and accurate reporting of credit score. I AM disputing my credit report in/Full and stating that in its entirety has errors that need deletion and removal Ive been paying balances to these closed accts for about XXXX years now and I AM seeking relief from this theft. Accuracy of reporting the accounts is being requested by myself, and deletion of errors/ removal of accounts that arent mine ; either that or have been settled will need to be deleted and removed from my credit report. Score wise XXXX seems to have the most errors and is reporting accounts that arent my own. I think that all of the creditors and companies need to fix errors, and remove ( the account information ) from my reports due to a suspected identity theft ; & fraud.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they are there. While checking my report as usual, I was surprised to find these discrepancies. I even refreshed my browser to rule out a possible glitch, but nothing changed. These unauthorized inquiries remain, and I am extremely frustrated. I urge you to carefully review the documents I provided and resolve this issue immediately so I can stop worrying.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$6700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Franklin Collection Svc XXXX XXXX XXXX XXXX XXXX, MS XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
Product: Credit reporting

I recently froze my XXXX report, and have received verification that my report has an activity freeze on it. I contacted Equifax & XXXX credit reporting agencies on two different occasions, and asked them to verify a public record of bankruptcy on my credit report. They sent a reply stating that it was verified through XXXX, which is untruthful.
Product: Debt collection

I began receiving calls from a company call AR XXXX on XX/XX/XXXX. When I returned the call I was told that there was a pending judgement against me for a payday loan from the fall of XXXX and that it went delinquent in early XXXX. The amount was around {$700.00} and only {$150.00} had been repaid. I advised them that I had not taken out a payday loan and could they send me the documentation that they had so that I could contact an attorney to get the matter cleared up. I was told that they had already sent the information and would not resend. On a second call with the company the lady I spoke with did provide verbally to me that an XXXX  drivers license was used and the birthdate and last XXXX digits of my social security number did match. She couldn't pronounce the name of the street address on the license and she started spelling it out. It was not any street that I lived on in XXXX, XXXX  between XXXX and XXXX. I also did not have an Ohio drivers license in XXXX as I had to turn it in to the state that I relocated to in XXXX. I have asked 3 times that they provide me with documentation regarding this issue and they repeatedly have denied sending it to me. My last call to them on XX/XX/XXXX I was hung up on twice, by a 'XXXX  XXXX and a 'XXXX  '. XXXX said she was a floor supervisor and would just have her legal department send me a subpoena.