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

Upon reviewing my credit report I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal, Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

XX/XX/2023, I purchased a service from a merchant with XXXX $ but soon I asked the merchant to refund since I decided to cancel the service, the service never really started. 
But the merchant kept evading my refund request, I have to contact my credit card issuer Bank of America to dispute the transaction. 

After couple weeks the bank refused my dispute with some letters from the merchant about some ridiculous refund policy which I never seen before when I make the purchase, this is purely false marketing of the merchant and technically a scam, I can't believe the Bank of America was not able to recognize this.
Product: Debt collection

The credit Collection Services companies has placed a derogatory account on all 3 major credit bureaus. Ive attempted to dispute the matter with the company but was denied. I discovered that CCS is NOT licensed in the state of Florida to collect a debt from anyone living within the state, which is a violation.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Zelle due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these incidents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the sixth attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

18 yr mortgage paid off XXXX. All previous payments and access to my loan account were via on-line/electronic route. Immediately on loan payoff, all access to my statements/loan info was blocked. 
As of today, XXXX, no tax statements for 2023 are accessible on-line. Nothing received by mail. 

The Mr. Cooper site states that tax forms will be available by XX/XX/2023. 
Multiple attempts made to contact a human associate of this company have been futile. Any/all contacts are robo-calls. The " Help/Chat Line '' is a joke and a dead end. No option on-line or via phone to communicate this specific question ( when/how will I receive tax info ) to a sentient being. 

Note to others : prior to loan payoff, get name/contact info of the property 's insurance carrier. Without this, you'll need a XXXX point inspection and possibly added costs/higher premiums if you can not prove property was covered. This company provides no information whatsoever on closure of the loan. Good luck trying to any information from these people.
Product: Credit reporting or other personal consumer reports

I have apply for housing and have been denied on multiple occasions because information that was incorrect on my credit report. I have reach out the credit bureau on multiple occasions about the issue with the incorrect information and the affect of the credit report has cause my family.
Product: Mortgage

I recently paid my mortgage in full in which I had a loan through M & T Mortgage. I requested a payoff quote a few months ago and there were specific wire instructions that I had to follow explicitly. The wire was submitted on XX/XX/2019. I received a notification that M & T reported my account as closed and delinquent on XX/XX/2019. This dropped my credit score by 72 points. I was livid. Of course, I contacted M & T immediately and was told that because my payment was received on XX/XX/2019 that I was 30 days delinquent. When I know that M & T doesn't report until the first day of the following month. I'm not sure what the motive is, but I need this corrected immediately. Can you imagine paying your mortgage for 20 years on time each month and the mortgage company reports you 30 days late on your final payment? M & T made it as difficult as possible to wire the funds. My bank attempted to wire the funds several times until I finally took the letter to the bank and we literally wrote everything on the wire submittal several times in several different areas. At that point M & T had no choice but to accept the wire. I called M & T on the day at the time the wire was sent to verify that it was received, and I have a receipt from my bank. It states on my credit report that I was delinquent, paid on time, and consumer closed account. Versus stating paid in full. I did not close the account and I was not delinquent ; I paid the account off over a 20-year period. I would like this correct immediately to state paid on time and paid in full.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Lvnv XXXX XXXX XXXX. I didnt open a credit card in XXXX  with this company. I am military and was XXXX when this occurred. I have spoke to resurgent who represents lvnv for this and provided info. Still wont remove this debt from my name or my credit. I want this removed immediately please. I also did report it as identity theft. Which I have attached.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ally financial show late on credit report never been late
Product: Debt collection

My payment was late about 8 days or so and I have receive repeated calls from them. On Friday, XX/XX/, 2019, I received 4 calls from HSBC Bank Credit Card. On Saturday, XX/XX/2019, I received 5 calls from HSBC. On Sunday, I have received 1 call already. But, its XXXX EST, so I expect to receive additional calls. These calls are for ONE late payment. I have already scheduled the payment online and I am still receiving harassing calls from them. This is ridiculous and absurd. I am reporting HSBCs abuse tactics because their actions rise to a level of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There are serval accounts on my credit report that are wrong. From XXXX to XXXX
Product: Money transfer, virtual currency, or money service

paypal put on hold on the money that i have on my account {$36.00} for 90 days. they permanently banned my account. not able to withdraw my money on my paypal account
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, in XX/XX/XXXX, a Collection Account by XXXX XXXX XXXX was placed on my Equifax Credit Report. The Date of First Delinquency shows as XX/XX/XXXX, which is 6 years ago ; Why wait 6 years after the Date of First Delinquency to place this account on my Credit Report??!! The Original Creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX . I have no knowledge of doing business with this company AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which was 8 years ago. The Date of First Delinquency showing with this Collection Account must have been RE-AGED to the year XX/XX/XXXX, in order to place it on my Equifax Credit Report ; RE-AGING the Date of First Delinquency is a serious FCRA offense. The CORRECT Date of First Delinquency for the Original Creditor ( XXXX XXXX XXXX XXXX ) has to be over 7 years, therefore it is TOO OLD to be on my Credit Report ... Reference FCRA Section 623 ( a ) ( XXXX ) ( A ). This erroneous Collection Account is currently holding up processing of my Home Refinancing application.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX & XXXX XXXXXXXX
Product: Debt collection

account number XXXX is not my debt because I send the equipment ... I dont have debt with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XX/XX/XXXXXXXX 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  If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

To whom it may concern ; I am filing a complaint on PNC Bank. 
On XX/XX/XXXX my mother notice that we had an online mobile deposit and she called pnc customer service to ask about this deposit and how does one do this only to find she did not have access for mobile deposit. My mother was told she would receive a letter explaining and asked for our accounts to be flagged for Fraud.

During this time we have not received any communication from any one at pnc bank.

ON XX/XX/XXXX, my mother called customer service asking for an updated on her fraud claim and the missing {$4000.00} Unfortunately she had spoken with XXXX XXXX who could not figure out what was fraud and keep saying it was an online transfer. 
Then he transferred me to XXXX in Check Fraud, who told me its not check fraud but it is online fraud, XXXX was in contact with someone named XXXX at a Branch in XXXX  OH and XXXX XXXX. The bank fought my mother over this claiming the money went into her account but someone hacked her account and took the money out. The issue has been ongoing for 6 weeks with broken promises from the bank to correct the issue and no call backs regarding updates on the problem. 
As of this moment we have been calling for several days and we have not had any follow up.
Product: Checking or savings account

My name is XXXX XXXX, I have multiple accounts with Chase bank. I was on a business trip to XXXX XXXX on XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX my wallet, keys, phone, ID, SS Card, and other items were stolen. I filed a police report, # XXXX. I contacted Chase bank about the incident and they advised that multiple charges were in pending state in amounts of {$5100.00}. I advised them to lock the card it and those charges were not me. The chase specialist advised that she can not do anything until the amount post. I was so upset because the amounts were draining the account. I would have to wait till the following day to do anything. I called the following day because at that time now it had posted to the account ( Following Chase instructions given ) I made the claim and advised them that once I receive a copy of the police report I will provided it to Chase via chase secured message center. I also Fax the report from a chase branch due to Chase not able to receive it. After a single day went by ( XXXX  day ) I received a message advising that they denied my claim and that the charges were found to be me. Absolutely Insane. Then at that time I called chase and asked how can this be determined, they advised that they used information gathered in XXXX day. I requested the documents used in verbal and in writing and yet still nothing is received from Chase. a total of about XXXX XXXX was taken and chase allowed this to happen. No one has given me a call and no one is willing to help, I am a private client and XXXX member with chase
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2022. 

Deposited a {$10000.00} check from Bank of America that was fraudulent. I was unaware it was fraudulent. 

The bank I deposited to put a hold on my account.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXX. 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 an 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 ) ( XXXX ) 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: Mortgage

We have a loan through Stearns lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that Stearns lending services has sold our loan and we would be making payments to XXXX XXXX XXXX on the XXXX of XXXX. 
On XXXX XXXX our mortgage was withdrawn by Stearns lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. 
I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out twice, This made no sense to me because the agent could see the double payment on her computer screen this was evident by her statement, " ok i see the payment on the 2 and the 10 '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. 
After that i called Stearns Lending about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. 
I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. 
It would be one thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out 2 in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help.
Product: Credit reporting or other personal consumer reports

XXXX called to speak to someone hung up the phone in my face XXXX never updates the credit report XXXX insist 's that the report is outdated but keep wanting money to update it XXXX all the accounts are more than five to six years old
Product: Prepaid card

Got gifted a XXXX $ Amex gift gift, cant use it in store ( XXXX  ) or online ( XXXX ), called Amex and they said it was to protect security
Product: Credit reporting, credit repair services, or other personal consumer reports

this is in-regards to my credit report and I have XXXX unauthorized inquiries that are on my credit report whenever you contact Equifax to XXXX anything on your credit report they give you a difficult time I also have a statement that I am to be contacted in regards to anyone trying to obtain my credit file. these are the XXXX XXXX authorized inquiries that they are failing to remove. 
XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX. XXXX
Product: Credit card

I have had my capital one Mastercard since XX/XX/XXXX and the payment protection plan but was never told of the benefits and I was out of work from XX/XX/XXXX until XX/XX/XXXX. Then thought it was cancelled but it never was. I called in XX/XX/XXXX when XXXX but was never told about unemployment or XXXX protection just hardship. 

I also have a journey card have had for past 3.5 years. I had plan put on that but when I called today it had never been activated. When I called today because I have been out of work still for XXXX and unemployment they said I was never put on and that ca n't get anymore. 

I really need and needed the help to pay with bills and credit cards since had to put food and things on.