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

I received a student refund check and put it on my account XX/XX/2024. Later that night I noticed I was not able to get into my account. Went into the 53rd branch on the XXXX and found out that my account is blocked due to fraudulent activities. I was told that the investigation will go on for 3 business days. I have a total of 3 accounts with them. My student refund check was added to only one of my accounts. My job paid me on the XXXX on a different account from where I put my refund check on. So I asked if they could uplift the hold on my other two accounts that had nothing to do with the account with the refund check on it. They told me no. I have no other options for money, that was my work check how I live and feed me and my XXXX children and also gas to get to and from work, im a XXXX XXXX  I have been with out my funds since XX/XX/XXXX it is now XX/XX/XXXX, the XXXX day will be XX/XX/XXXX so as of right now I still have no funds. I have had to miss work because I dont have gas and I drive hours at a time there and back. I have had to take me and my XXXX children ages XXXX and XXXX to the shelter to get food and also because of the tornado my lights have been out. If I had access to my work check I could have got us a hotel and food, I do not have any government assistance I pay everything in cash. The pass couple of days have been hell all because of 53rd falsly accusing me and holding my hard earned money. I want justice!
Product: Credit reporting or other personal consumer reports

I've attached proof of Innovis inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue Innovis and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. 

Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! 

FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C. No. 95-cv-01743 ).
Product: Debt collection

Date opened XX/XX/year> I am writing to file a formal complaint against Sunrise Credit Service for their violation of my rights as a consumer. I believe that their actions are in direct contravention of the following federal laws : 1. 12 CFR 1006.34 ( B ) : This regulation prohibits unfair, deceptive, or abusive acts or practices by debt collectors, including but not limited to harassment, false or misleading representations, and unfair collection practices.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : This provision states that debt collectors can not engage in any conduct that is likely to mislead or deceive consumers, including the use of false, deceptive, or misleading representations or means in connection with the collection of any debt.

3. 12 CFR 1006.34 ( D ) : This regulation prohibits debt collectors from engaging in any unfair practice in the collection of debts, such as taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if there is no present right to possession or ownership of the property claimed as collateral through an enforceable security interest.

4. 15 USC 1681-S 2 ( 7 ) ( a ) : This section of the Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies and furnishers of information, like Sunrise Credit Service , from furnishing information about consumers to credit reporting agencies that they know or have reasonable cause to believe is inaccurate.

I have experienced the following violations of my rights by Sunrise Credit Service : 1. [ Describe the specific actions or practices by Sunrise Credit Service that you believe violate the laws mentioned above. ] I have made multiple attempts to resolve this matter directly with Sunrise Credit Service but have been met with resistance and disregard for my rights as a consumer. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in rectifying this situation.

I kindly request that the Consumer Financial Protection Bureau let Sunrise Credit Service know I'm revoking all rights of communication with me via email, text, and calls. Im also requesting debt validation, and Purchasing Agreement between them and the original creditor.

I firmly believe that by holding Sunrise Credit Service accountable for their actions, we can protect the rights of consumers and promote fair, transparent, and ethical practices in the credit industry.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this complaint promptly and effectively. I look forward to a favorable resolution and the protection of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account XXXXKay Jewelers with account number XXXXXXXXXXXXXXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX/Kay Jewelers but I did not receive what I asked and these violations persist on my credit report.
Product: Mortgage

we have owned our home for several years. We have been good about not using too much of our equity but we did take out a HELOC on our home. This HELOC now is foreclosing on us. We have applied to keep our home several times, last time being XX/XX/XXXX. My file was closed XX/XX/XXXX due to being incomplete. I have sent everything to ChASE everything they ask for, they would say that they never receive my faxes, give me other faxes and now I am losing my home because of this problem. I was told that my package was complete I thought I was under review, months later when my documents expire CHASE just asked me to resend the package again, over XXXX pages over and over. This is because they never review what I send them, they wait until it expires to ask for more- and now instead of helping me keep my home they wish to foreclose and evict me. I have even tried to do a short sale for HAFA and they are giving my agent the same problems with the fax, they resend things over and over but never can get CHASE to ackn receipt. I do not know what else to do- I often request to speak with a XXXX speaking representative but chase just assigns me to people that only speaka XXXX, I did not understand that I was supposed to resend everything again because it is old now. instead i get a denial
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 168
1b.
Product: Credit reporting, credit repair services, or other personal consumer reports

A sofi credit card with a balance of XXXX $ was opened in my named I have filed with federal government Sofi has not responded and to phone call nor will they provide any information XXXX XXXX
Product: Debt collection

PENN CREDIT CORP # XXXX****THIS ACCOUNT IS A RESULT OF SOMEONE USING MY NAME AND ID TO OPEN AN ACCOUNT. I NEVER HAD AN ACCOUNT WITH PENN CREDIT CORP OR I HAVE FILED A AFFIDAVIT REPORT WITH FTC AND XXXX POLICE DEPT.
Product: Student loan

My IDR  application ( changing to SAVE plan ), submitted on XXXX has not been processed by Nelnet. I have been unable to reach a human at Nelnet with questions about the status of my application. I have received automated emails stating that I will get an email every 10 days -- that is the only communication I have received from the servicer. 

As of this moment, after repeated attempts, I have been on hold for MORE THAN XXXX HOURS TOTAL. Additionally, interest is accruing on my loans, which would not have occurred if my application was processed in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX / XXXX CREDITOR : XXXX XXXX XXXX  DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Kindly ensure their swift removal and take measures to prevent such errors in the future.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of certain accounts from my credit report due to Experian 's failure to provide verification documents within the legally required timeframe. I initiated a dispute with Experian regarding the accuracy of the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the Fair Credit Reporting Act ( FCRA ), Experian is required to provide verification documents within 30 days of receiving a dispute. I have not received a response from Experian, they failed to provide the necessary verification documents for the disputed accounts within the stipulated XXXXday period following my request for such documentation. This failure is in direct violation of FCRA guidelines and has caused significant distress and potential financial harm. 

I am requesting the CFPB to take immediate action to enforce the FCRA regulations and ensure the removal of these unverified accounts from my credit report. The continued presence of these unverified accounts is unjustly impacting my creditworthiness and is an undue burden on my financial wellbeing. 

Please find attached the following supporting documents for your reference : Copy of my initial dispute letter to Experian.

Correspondence received from Experian regarding the dispute.

Proof of my request for verification documents and Experian 's failure to provide them within the required timeframe.

In accordance with the Fair Credit Reporting Act ( FCRA ), Experian is obligated to conduct a thorough and timely investigation of disputed information and provide verification documents to support the validity of the accounts in question. Despite my compliance with the dispute process and providing all necessary documentation, Experian has failed to fulfill its obligations in the following ways : Lack of Proper Investigation : Experian has not conducted a reasonable investigation into my disputes. The responses I received were generic and did not address the specific issues I raised, nor did they include any verification documents to substantiate the disputed accounts. 

Failure to Provide Verification Documents : I explicitly requested verification documents for the disputed accounts, but Experian has not provided these within the legally required timeframe Ongoing Reporting of Inaccurate Information : Due to Experian 's failure to properly investigate, the inaccurate information remains on my credit report, causing significant damage to my creditworthiness and financial reputation. 

I trust that the CFPB will handle this matter with the urgency and seriousness it deserves and facilitate the removal of these unverified accounts from my credit report at the earliest opportunity. 

Thank you for your prompt attention to this critical issue. I look forward to your swift response and resolution.
Product: Debt collection

They keep sending text at XXXX XXXX and when I called to complain they said I had a credit card owed from 20 years ago.
Product: Credit card

XXXX XXXX # XXXX XXXX GA XX/XX/2024 {$210.00} XXXX XXXX XXXX XXXX  XXXX XXXX FL XX/XX/2024 $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/2024 {$52.00} XXXX XXXX XXXX XXXX FL XX/XX/2024 {$11.00} my card got stolen i live in va i called citi bank to report fraud and one of customer service put incorrectly that card in my possession i called again after they denied the claim that there phone call should be recorded and they should listen to the call and fix and credit my account as i didnt have the card on me it was stolen
Product: Money transfer, virtual currency, or money service

On the evening of XXXX, XXXX XXXX I have sent the payment through the XXXX from Bank of America Mobile app. This was the common rent payment and I did 5 last years. But at this time the landlord didn't receive the amount of {$1500.00} because the other person was enrolled under his cell number to XXXX I filled the dispute to Bank of America and they declined my requests to return money. But the money was send to completely wrong person and I didn/t know about it and I have all evidences to proof that it was wrong person. 
The timing of the story : XX/XX/XXXX we used XXXX to transfer {$1500.00} from my Bank of America account to XXXX XXXX ( who is our lendlord ), which he did not receive. ( transaction was charged from the account on XX/XX/XXXX ) XXXX XXXX tried to connect the person who now own his number. He or She said that he didn't receive any transaction on those dates, and that he own this number for a few months. ( All screenshots of the discussion will be attached ) XX/XX/XXXX we went to Bank of America on XXXX XXXX, XXXX NC. During the meeting with a BOA Customer Service Representative agreed to bring his manager over to discuss this case. The manager agreed to set up a case to trace the transfer, and an appointment was scheduled on XXXX XXXX. 


XX/XX/XXXX We went to Bank of America on XXXX XXXX. The same Customer Service Representative did a few things : 1 ) checked XXXX XXXX BOA account to make sure the {$1500.00} was not received. 2 ) called a BOA internal team to set up a case, which was captured in the attachment. 3 ) asked me to follow up based on the information provided to him after XXXX weeks by calling XXXX, and use Case # XXXX. 

Then I received the mail from the Bank of America that transaction was received by the customer who is owning the XXXX 's phone number ( will be attached ). 

Then I tried to contact that person by phone, the man was answered ad drop the phone call immediately and blocked me. 

Let me please repeat again, the person- who I have sent money to is the wrong person who just enrolled to XXXX, he was saying that in messages, you will see. This is the big money transfer institutional issue, when you don't know when the person, who you were sending money for more than 5 years doesn't use his phone for zelle anymore until other/wrong person will enroll. 

I have the messages with my landlord already, when this phone number was under his name. So I didn't think that something could happen, cuz I used it 5 more years. 

I am not safe as a consumer in this case. 

I am asking to Bank of America to do a manual underwriting of my situation, cuz for the XXXX last month I did my investigation and I have all proofs of the wrong transaction and XXXX service issue. I want to explain to the fraud representative all my paperwork of screenshots.

I want my hard earned money back.

Hope for understanding and resolving my situation.

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

I have some major issues with bad addresses and fraudulent accounts appearing on my credit file. Someone applied for and received accounts with XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am disputing these items under FCRA XXXX, XXXX, XXXX. 

THE FOLLOWING ADDRESSES ARE FRAUDULENT PLEASE REMOVE : XXXX XXXX XXXX XXXX  XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX  VA , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX I have never seen these addresses before on my credit file and I believe one or more of these addresses was used for the fraudulent activity on my credit profile. I am filing my police report today and a FTC ID theft complaint as well.
Product: Vehicle loan or lease

I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature? 

i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation. 

12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations. 

i will be sending formal letters certified mail. i have a friend that works at the mayors office i will be contacting them to record a deed, also the attorney general 's office. 

CC : CFPB CC : FTC CC : ATTORNEY GENERAL OFFICE CC : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three unknown inquires on my credit report. They are from XX/XX/2018 one is XXXX XXXX XXXX XXXX, the other is Regions Bank the last one is XXXX XXXX
Product: Debt collection

I requested documentation, showing providing proof of this claim over several months ago and received not response, also this was removed from my credit and recently place back.
Product: Debt collection

Upon checking my credit today I noticed a derogatory mark from Persolve LLC for the amount of {$3500.00}. I have never received a phone call and or notice via mail/ email regarding this collection. In addition I have no idea what this account is regarding. I have settled all my medical bills and or pas old debt so I am clueless to what this is regarding.
Product: Debt collection

I recently checked my credit report, and I made an attempt to pay off or settle all of my debt. There was a listing from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. This was in reference to an account with XXXX. I called the company and settled my debt with them. I received a paid in full letter, and I disputed the information with all XXXX credit bureaus to get them to update my credit file. On XXXX/XXXX/2015, I received a phone call from Receivables Management Group, XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. They informed me that they have received an account from XXXX XXXX XXXX, and wanted to know if I wanted to pay them before they put the collection on my credit file. I informed the lady that I had already settled the debt, and that I was not going to pay for a debt that had been settled. I told them that it was illegal to try and collect on a paid debt. She told me that they received the account in XXXX of XXXX. I told her that she needed to contact XXXX. and figure out why they sold them a settled debt. The lady then begins to tell me to produce documentation saying that I had settled the debt. I refused to do so, and demanded that she settle this issue with XXXX. I then informed the lady that I would be filing a complaint on her and the business for trying to collect on bogus debt, and she hung up in my face. I wish to file a complaint, and be compensated if possible for the harassment that I suffered from XXXX XXXX XXXX and Receivables Management Group.
Product: Credit card or prepaid card

I have opened a few American Serve prepaid cards in 2019. I loaded money and used them to pay for bills, hotel bookings. In XX/XX/2019 I booked a few hotels for my vacation with the cards bu putting down deposits. The vacations were later canceled in XX/XX/2019 due to personal reasons and the deposits were refunded to the cards automatically. However American Express Serve card company thought the credit from the hotels not from the original refund and restricted my access to my own money in these accounts. 
I have called them numerous times but they refuse to give me my money back. 
They are also charging monthly fees on these account after the accounts were frozen. 

We need our money back and this company is unethical for freezing their customer 's money.
Product: Credit reporting

I got a notice thru XXXX that I had opened a credit card XXXX XXXX with a limit of {$3000.00} and a 0 % utilization as of XX/XX/2016 and the card was supposedly issued on XXXX XXXX, 2016. I have not applied for any credit cards from XXXX and am not pleased that it has showed up on my Transunion and XXXX reports. Can you please investigate for me?