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

My mother who is  XXXX   XXXX   XXXX  and has  XXXX  and  XXXX   XXXX  has about {$5000.00} remaining of her IRA which is managed by Investors Bank,  XXXX    XXXX   XXXX  .  I hav e Power of  Attorney which was executed several years ago when she was competent. A few months ago, I realized that she has not received any reimbursement for the last 2 years. I originally tried to contact them in  XXXX  and did not get any answers, My mother then became very ill and I forgot about it. I resumed my attempts to get this information in  XXXX   XXXX . After several phone calls, and sending requested documents including a stamp ed Power of A ttorney from the Attorney who drew up the document, I was told they essentially want a new notarize d Power of Attorney. We proactively drew up a Power of   Attorney for a time when my mother would be unable to make decisions for herself. We are at such a time now and I can not understand how a bank can be allowed to withhold information as well as money without consequences. I have sent a letter of complaint to the local and main office of Investors Bank without a response. I also sent a complaint to the Banking  Commissioner  in   XXXX   XXXX   and was told that it is a  Federal iss ue. I would appreciate any help. The account is in the name of  XXXX   XXXX . My name is  XXXX   XXXX . I am her daughter and ha ve Power of  Attorney. My mother has lived with me for the la st 2.5 ye ars. The last address on her  XXXX  statement is  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX. I closed a CD on XX/XX/XXXX with the amount of XXXX with Ally bank. The first check was returned back to Ally bank in order to issue another check. 

I contacted Ally bank on XX/XX/XXXX, and the bank manager XXXX said that the check was sent on the same day. 

I contacted Ally bank on XX/XX/XXXX that I did not receive the check. Ally bank confirmed with me the check was not cashed out. I requested Ally bank to make stop payment, and transfer the money to my other bank. Ally said that it would contact me on XX/XX/XXXX, but they never did. 

I contacted Ally bank manager, XXXX on XX/XX/XXXX and requested that they should transfer my money for me today, but they refused to pay my money back if I did not fill out the loss and found affidavit with notarization. 

I asked Ally bank manager XXXX why I should fill out their affidavit form since they confirmed that the check was never cashed out. They could make a stop payment and pay me right away. With Covid pandemic, I was going to look for the place to notarize the affidavit form in order to get my money since they knew they still had my money. 

I believe that Ally bank is trying to keep customer 's money longer without paying interest in order to do their business. 

I would like to get the problem to be solved as soon as possible. I am looking forward to hearing back from you soon. 

Best Regards, XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

XXXX XXXX XXXX | XX/XX/2022 : Account number : N/A, Account type is incorrect and not correctly displayed. I need this fixed ASAP. 30 days should be enough. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft and request your assistance in resolving the issue. I have discovered several fraudulent accounts on credit report, dated XX/XX/XXXX. These accounts were opened without my knowledge or consent and are negatively impacting my credit score. 

Details of the XXXX Accounts : XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$1800.00}. 
XXXX XXXX Installment Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$21000.00}. 
XXXX XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$6800.00}. 
XXXX XXXX XXXX Account : Account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
XXXX XXXX XXXX Account number XXXX, balance of {$3900.00} Actions Taken : FTC Identity Theft Report : I have filed a report with the Federal Trade Commission ( FTC ) with reference number XXXX. 
Disputes with Credit Bureaus : I have also filed separate disputes with XXXX, Equifax, and XXXX regarding these inaccurate entries. 
CFPB Request for Blocking : In addition to disputing the accounts, I am formally requesting, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), to block all information appearing on my credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint. 

Impact and Supporting Documents : These fraudulent accounts have significantly impacted my ability to obtain credit. I have included a copy of my credit report highlighting the aforementioned fraudulent entries. 

Conclusion :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a fax was sent to XXXX XXXX. I received no response so I sent another XX/XX/2020 they finally responded 2 days ago. Furthermore, I sent a dispute to investigate the legitimacy of the account to experian on XX/XX/2020 and did not respond until XX/XX/2020. Due to the untimely response exceeding the 30 days allotted time on both parties by law experian is obligated to delete the account of face legal action. In addition, under New York State law regarding repossession, I did not receive correspondence regarding the sale of the alleged repossession. Please prove that I received such documentation, ex. Certified mail signature. If you can not verify such the account must be delegated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my student loans consolidated. The consolidation included loans/account numbers XXXX and XXXX. When the loans were consolidated into a new loan the old loans that are apart of the consolidation remained on my credit report. The old loans should all be removed and only the newly consolidated loan should be on my credit report. The old loans still being there means these are all duplicates and for the accounts to be duplicated through out my reports is a violation of the fair credit reporting act The federal Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer.. I would like for the old loans to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, XXXX, Equifax and XXXX
Product: Credit card

The client 's identity was stolen and as a result a credit card was opened with Citi. The client did not sign an application for credit nor did he ever produce any identification for said credit card. Citi was notified of the fraud by the client who is a XXXX and does not speak english. Citi is attempting to make the client obligated for a credit card which was obtained fraudulently. The borrower did not understand the process nor understand Citi 's attempts at making the client liable for the fraudulent account. The client has hired an attorney to assist him with the fraudulent account. Citi has been notified to contact his attorney for all necessary dispute process. Citi mortgage must investigate the true identity of the person who applied for this account as the client did not apply for said card. Credit card amount issued was approximately {$8000.00} only and the client is receiving collection notices with an amount of {$21000.00}. Citi is continuing to hold the client liable for a fraudulent account.
Product: Debt collection

Creditor is trying to take me to court for a debt, which was discharged in bankruptcy. Creditor was notified by my bankruptcy attorney of the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is my file the lender and XXXX XXXX fix the verbiage after you contacted them my credit score was returned back XXXX points they dropped in XXXX  day to XXXX then a week later Bof A again in retaliation sent letter in XX/XX/XXXX and dropped my score XXXX points the notice that resolved said I met the requirements to fix score and a week later that victimized me again
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written, and called Equifax numerous times. They do not give the option to permanently remove a credit freeze. They compromised all Americans accounts several years ago. They gave an option to get a credit freeze, now they do not offer any away except for mailing all your personal information through the mail. You can not overnight your request because the only address is a PO box . They run you around in a circle and do not allow you to sign in online. When you call they ask you security questions that are not accurate nor possible to answer. This has made it very difficult for me to sign up for XXXX and Social Security payments. This is criminal and they should be listed as a fraudulent company. All I want is my credit freeze lifted. I had not problem with XXXX or XXXX XXXX. The websites are loaded with this same complain about Equifax. Something needs to be done immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 all 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 account without my written instructions.
Product: Credit card or prepaid card

My account has been delinquent for 90-120 days. I was working with them to make arrangements on my account - between Kohls collections department, an outside collections agency, and customer service in the XXXX I have no idea who was helping me when because nobody ever identified where I was actually calling, I was constantly rerouted all over the world. I spoke with a woman several times to try and negotiate a settlement, in our last conversation she recommended that I bring the account current and stated it would get the account out of collections, and Kohls would remove the late fees they charged on the account. I ended up making the payment on XX/XX/XXXX to bring the account current - and so far Kohl 's hasn't removed any of the late fees. I spoke with three people ( maybe in the XXXX? ) ... two people on XX/XX/XXXX and one person on XX/XX/XXXX. All of them said that it would be updated to the credit bureaus, all of them gave me different dates in which that would happen. The last person I spoke with on XX/XX/XXXX said that the credit bureaus were updated as of XX/XX/XXXX, and it's up to them how quickly they update my report and I would have to call them. So I called XXXX XXXX and asked why it hasn't been updated and they said that Kohls has not updated the bureaus and I would have to call them to get them to update the bureau. So I called Kohls AGAIN today XX/XX/XXXX - I talked to a woman for 1 minute and quickly requested a supervisor - she put me on hold for 8 minutes, I could hear her typing and talking in the background and I kept saying " hello '' and she wouldn't respond. I hung up and called back. Another woman answered, I explained the situation to her and how I was waiting on hold for almost 10 minutes. She gave me so many different reasons as to why the bureaus haven't been updated and when they would be updated and how they would be updated, contradicting herself with every sentence. 30 minutes into the phone call I learned that I was talking to Kohls customer service in the XXXX! She then transferred me to Kohls collection department where I spoke with a guy about the status of my account. He confirmed the account is current and couldn't tell me if it's been updated on the bureau yet or when exactly it would be updated, just that they " update sometime each month ''. I also asked why the late fees haven't been removed yet, he said that he doesn't know why and doesn't see that was offered in the notes - so I requested he go back and listen to the recordings because it was offered and I did pay the past due so the late fees need to be removed.
Product: Debt collection

I am XXXX. I am trying to get my life back on track. I had an outstanding balance with XXXX XXXX. I was offered a settlement amount and I paid it. Since I paid it ; I would like for the entry to be removed from my credit report. There is no law stating it has to be there. My account is settled and I don't owe anything to the company now. Please remove the entry from my report. Thank you.
Product: Credit card or prepaid card

On   XXXX   XXXX    2017  I b ought a   XXXX   XXXX   XXXX   from a company named " from  XXXX  '' the order arrive 9 days later after being stuck in  XXXX  customs for a week. When the order arrived the box was damaged ripped from one side and inside instead of the   XXXX   XXXX   I ordered there were some supplement pills. I contacted the seller and they refused to refund or exchange or help in any way. They said there 's nothing they could do. I contacted capital one do file a dispute against the company however they decided on the sellers favor because their terms state theha rent responsible for lost or stolen packages or wrong items being shipped what is this ridiculousness?!?!?!?! The web site from  XXXX  is in  XXXX  and it 's hard to use it and very sneaky with their insurance process and policies they are basically hidden! Not only did I get re-billed but I also send the merchandise I received back to the seller so I got left with nothing! Cap ital one custo mer service was horrible as well! They took 95 days to get back at my and notify me I was missing document for my dispute!! 90 days is already the deadline for resolutions on disputes and last minute is when they were " trying '' to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 the claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protects consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scammers. This lack of accountability and transparency is unacceptable and raises serious concerns for consumer safety.
Product: Credit card or prepaid card

I would like to file complaint against Apple Credit Card. 

On XX/XX/XXXX, I ordered fans that I'm planning to use as favors for my wedding. The vendor name is XXXX XXXXXXXX  XXXX XXXX. XXXX NY XXXX. The amount of the transaction is {$100.00}. Unfortunately, many of the fans have splinters and cracks, some are broken and does not look presentable for my event. I contacted the vendor right away via emails and phone calls but was ignored. As advised with Apple Credit Card representative, I returned the fans using the return address on the package since the vendor would not answer my emails. 

I disputed this transaction with Apple Credit card XXXX  times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but they sided with the vendor who is uncooperative/unresponsive. I do not have the products anymore, they should charge the vendor not me.
Product: Bank account or service

Account owner died and Bank of America is making it difficult for the executor of the estate to collect the funds from the deceased money market account.
Product: Payday loan, title loan, or personal loan

I called Liberty Finance in XXXX Alabama today, to try and defer my payment just 1 month due to the Coronavirus outbreak and my job being at risk of shutting down temporarily. XXXX told me that they were not doing that and couldnt do anything to help me besides waive my late fees. This is a national pandemic. I am shocked. I have always paid my Bill 's on time and now when I need their help the most the company flakes on me and tries to get me to use the money that I've already paid and reopen another loan which is ridiculous.
Product: Debt collection

Flagship Credit Acceptance have called over 5 times in a single day. They leave at least 2 messages a day. On XX/XX/XXXX they called 5 times and left 2 messages. Even when payments are set in the system Flagship agents will still call and then apologize because there is a payment in the system. The interest rates are extremely high and they are overcharging. The car that I have financed with them isnt due to be paid off until XXXX and I got the car in XXXX. Payments are $ XXXX  monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian once again has ignored all previous complaint matters. Per my last complaint about having no access to my online account ; I followed the instructions and faxed and mailed all documents the company requested. They have not responded but rather have sent back finally after about 3 or 4  months a dispute investigation I filed. I feel they are purposely denying me access to my account as the same as they are purposely putting the wrong address on the mail they send me so they can claim it was sent or lost. I am attaching a photo of the address the mailed the latest investigation report to me in which they have changed my address completely never have I put in my complaint or mail to them an apartment number in XXXX at the address provided. They have refused to restore my online account to experian. I sent them ALL documents and proof of verification they requested but in response they send a report from an investigation dispute filed months ago ....
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I called Trans Union to report fraudulent inquiries on my credit file the representative informed me that I would have to file a police report for these. It is not my burden to do their job. I requested that the fraudulent inquiries be immediately removed as I did not initiate them. I am not jumping through hoops or rings of fire for Trans Union. Maybe you can light a fire under their XXXX to do what they need to do.
Product: Credit reporting or other personal consumer reports

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. I do not recognize this account nor have I never done business with them. 

Account XXXXXXXX XXXX XXXX XXXX XXXX According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.