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

I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit r

eport that were past the statute of limitations. 2.
XXXX XXXX XXXX : XXXX XXXX - I told you  Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

XXXX the XXXX I called chase cc, to explain that I got a new job finally but I get direct deposit on the XXXX and XXXX of the month. I was very concerned about being late. I had been accumulating my rewards points for over a year and had the equivalent of {$790.00}. I had once before requested the vouchers and used them SD payment. She said that they no longer send vouchers but can apply the points directly to my PAYMENT. I was so happy, because I have not been late on this card. 
On the XXXX I went to get gas and something told me to call and make sure everything was OK. To my shock I was late and no payment was applied. After speaking with not 1 but 2 managers I was told the rewards get applied to the balance not the payment. I explained that the rep failed to tell me this and had I known that I would have said no, I would have paid it day XXXX and called back to work on late fee. I would have never said ok. Both managers were as cold as ice and enjoyed telling me there was nothing they could do and I'd have to make my payment and they could not reverse my points. I have filed 1 complaint directly with chase before they did an " interal '' investigation and listened to the recorded call and they said that i was told by the rep but I was never given a transcript of said recorded call. This time I will not be ripped off. I survived 19 months of a pandemic, I lost my business, I've been banking with them for 19 years yet I feel like there are illegal things being done in their CC division. The rest of the bank acts as if it's a separate company or entity. I will hire an attorney this time, and contact my state rep XXXX XXXX to find out from XXXX XXXX if he is aware of how vile their cc divisions is. I am not letting this go ... i have a strange feeling this is the norm ... for them. It's not the norm for struggling consumers during a pandemic. I'm appalled and disgusted and this is not going away like the first one they " supposedly " investigated. I can not use the card to get gas to go to work now because it's late and I used the money I had to pay other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

i seen COMENITY CAPITAL BANK/XXXX had reported a inaccurate item on my credit report on XX/XX/2021 saying that i owe them XXXX , so i sent them a letter requesting the validity of the debt on XX/XX/2021 and asking that it be sent within 30 days required by law or delete it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was a creditor and unfortunately due to divorce I defaulted on this loan. I tried different ways to pay or negotiate the debt down. Eventually XXXX XXXX  stopped communicating and charged my account off. They wrote it off 2022. It was charged off {$0.00} due. This creditor updated my credit report in 2022 when it was charged off and my XXXX XXXX took a XXXX point loss instantly. XXXX other creditors did this charge off/write off and again around the same time frame which sank my XXXX XXXX for months and months. As I worked to rebuild from this and a divorce my XXXX XXXX came back up and I was finally able to get new credit and lower interest rates. The XXXX charge off and written off accounts started to resubmit the information it had already submitted as charge off before and hurt my credit by XXXX points but now did it again and again. A bankruptcy hits XXXX time how can a charge offf debt continue to update as new and continue to bring your score down. Its written off, its not even recognized as debt for mortgage lenders because its already been charged off years ago and written off. Please stop these companies from purposely hurting credit over and over as a collection weapon.
Product: Mortgage

Summer of XXXX and the Winter of XXXX Reverse Mortgage Solutions ( RMS ) Inc inaccurately and negligently claimed my primary residence was vacant. I both called and emailed the company on multiple occasions to correct this. RMS placed my loan in default due to a covenant on vacancy incorrectly. This error and 6 month period to not resolve resulted in listing my home online as foreclosed ( see XXXX and various online real estate platforms ). To make matters worse I was assessed a litany of frivolous and inaccurate charges. The company is highly unethical and has inept staff. Further evidence such as action take by the NYDFS and the Kentucky Dept. of Financial Institutions further demonstrates a persistent and pervasive series of control failures. The firm 's agents knowingly exploit older, federally protected classes ( I am a XXXX XXXX Veteran ). Expectation is compensation for decreased home sale value due to inaccurate listing as foreclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new & updated information on TRANSUNION. I have knowledge & proof that TRANSUNION Is breaking the law by violating 15 USC 1681c-2. Once a consumer notifies a Consumer reporting agency of identity theft, they must block the information resulting from the fraud 4 days upon receipt. Transunion received my identity theft report on XX/XX/2022. Its well over 4 days and TRANSUNION failed to block this information. I spoke to a TRANSUNION rep named XXXX on XXXX at XXXX PM & have documentation of him stating that TRANSUNION put my identity theft report on file as a 30 day dispute instead of identity theft & blocking the information from the result. XXXX, a TRANSUNION rep stated that TRANSUNION cant block the information they can only dispute it with the furnisher. I insisted on walking XXXX through the law to show him why its unlawful. XXXX, a rep from TRANSUNION chose not to comply with the FCRA. Neither TRANSUNION, or the person furnishing the fraudulent reports on my behalf have permissible purpose to furnish a report on me. TRANSUNION is willfully non compliant to federal law. TRANSUNION is failing their grave responsibilities of reporting with fairness, accurateness, impartiality, and a right to consumer privacy. This is hurting my ability to obtain credit. Im being suppressed & violated. In closing, i would like to also state that XXXX is also violating in the same manner as TRANSUNION. I couldnt call XXXX to inform them of the violation because XXXX doesnt allow consumers to call them directly for disputes. I dont consent to E-Oscar or any generic responses.
Product: Checking or savings account

On XXXX approximately XXXX at the location of XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I made a first initial deposit of {$3500.00}, the machine asked me if the deposit is correct. I confirmed, then, gave me options of deposit more money or continue with deposit so l selected deposit more cash I proceeded to deposit {$300.00}. It accepted my money, then about XXXX seconds later the machine shut off.
Product: Checking or savings account

I tried to sign up with XXXX in order to better manage my funds, and I was told that my bank was blocking me from allowing this to happen.
Product: Payday loan, title loan, or personal loan

I was given a line of credit though Speedy Cash in the amount of {$870.00}. I borrowed {$200.00} against that line of credit in XX/XX/2017. Speedy Cash provided the amount that was to be taken out every payday. They have been taking anywhere from $ XXXX- {$68.00} out of my account since then. I just happened to check on the payment schedule to see that I still owwed {$430.00} and at this point I have been paying them every 2 weeks for over a year. Upon speaking with the company this is allegedly how their line of credit works, I was told the payoff was {$500.00} so I paid it. But before I paid that {$500.00} to date I had paid almost {$1800.00} for only {$200.00} dollars I was never late and nerver missed a payment but the payment amounts went up and down over the life of the payments! As the regulating body of agencies such as this one, is there no cap for the amount of money that companies like this can have you pay back? I would like to file a formal complaint as something should be done about predator practices such as this.
Product: Credit card

Please review the attached documents and commence an investigation into the accounts falsely reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian that I am a victim of identity theft, I am now responding to Experian 's response. I XXXX XXXX did send this request to the CFPB and Experian. this complaint is made directly from myself. attached again i have submitted my XXXX  report and a copy of my social security card and 605B for your review. thank you
Product: Credit reporting

After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.
Product: Checking or savings account

Ive been with XXXX XXXX XXXX  for over 20 years. They really charge me left and right from Mortgage account to credit card to debit card. Extra fee never receive my reward and so on.
Product: Credit reporting

Equifax will not remove a dismissed Chapter XXXX bankruptcy filed XXXX/XXXX/XXXX and dismissed in XXXX from my report. 
Some history : I had good credit prior to my marriage in XXXX XXXX. I owned a home and was renting it out when I moved to XXXX, Oregon. In XXXX XXXX I learned that my husband was over {$65000.00} in credit card debt and his home was in forclosure. Because I was unemployed and could not afford my payments, I sold my home on XXXX, Oregon in XXXX in a short sale. In XXXX XXXX we consulted XXXX XXXX, to file a Chapter XXXX bankruptcy. I was working part-time and she said my name had to be on the petition in order to be eligible. Under duress, I agreed to include my name on the petition to avoid forclosure. 
I later learned that spouses do not have to file jointly to be eligible. The XXXX Court website which states " Married individuals must gather this information for their spouse regardless of whether they are filing a joint petition, separate individual petitions, or even if only XXXX spouse is filing. In a situation where only XXXX spouse files, the income and expenses of the non-filing spouse is required so that the court, the trustee and creditors can evaluate the household 's financial position. '' I left my husband in XXXX XXXX and moved back to XXXX. The divorce was final in XXXX XXXX. I started working in XXXX XXXX and have been paying my bills and rebuilding my credit. I 'm trying to purchase a home now and the bankruptcy is still on the Equifax report. 
The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, this record must be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Hard Inquiries : XXXX XXXX XXXX XXXX XXXX Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXXXXXX XXXX XXXX XXXX XXXX Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 


XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX, - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b.
Product: Credit card or prepaid card

I bought 3 XXXX gift cards issued by US bank from XXXX. 2 of the 3 cards can't be used and got declined when I tried to use them. I called the number on the back of the card, I was told to submit documents to XXXX for card replacement. I submitted all documents for one XXXX gift card. but the website gave me an error when I tried to submit documents for the 2nd XXXX gift card, I tried several times and it always gave me error and it didn't go to the next step for me to submit documents. I called the number on the card again and was told the website is the only way to submit documents for replacement. so I am stuck and with no way out.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  someone attempted to open a fraudulent credit card with XXXXXXXX XXXX in my name. I was alerted since I had a savings account with XXXX XXXX  I contacted them right away and they stopped it. 

XXXXXXXX XXXX sent me a letter confirming of the fraud and that they would alert the credit report agencies. 

I contacted TransUnion several times. In XX/XX/XXXX, I was asked to mail in the letter from XXXX XXXX. I did. Nothing was done. 

Today, XX/XX/XXXX, I contact them and they ask now for a FTC report to confirm the fraud. 
The only way to send this is through mail again. 

I keep spending my time and my money on rectifying an error that is not mine. This was fraud and they have been notified by XXXXXXXX XXXX and myself. They do nothing.
Product: Debt collection

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, Ohio XXXX came to my home to install 10 windows totalling XXXX workers stated they were finished noticed my bedroom window shade was pulled down I called them back they broke expensive shade they sent two different gentle men out they said the windows were not finished raised the windows 2in up they went all the way up buy them selves they also said balances weren't checked old storm windows weren't removed & a frame on out side was not put on Dividend finance Co start sending bills right away job was not complete I called & wrote them I would not make payments until 2 months after job was completed per our contract they have been billing with late fees etc bad credit scores they are due to complete XX/XX/XXXX I'm not obligated to start my payments until may per our contract with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

am a victim of identity theft and I want this fraudulent information removed from my credit report immediatly : XXXX XXXX XXXX, XXXX XXXX Mi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date XXXX Balance : {$1200.00}
Product: Debt collection

A company XXXX XXXX XXXX has already attempted to sue me one year ago. I have recently received another threatening letter of a law suit and wage garnishment. The credit card debt is XXXX of 8-10 years ago. They had previously sued me apprently filed XX/XX/XXXX for the same case and it was dismissed. I feel I am being harrassed by receiving these letters and they are trying to take me to court again, over very old debt
Product: Checking or savings account

I have a savings account with XXXX XXXX Bank aka " XXXX ''. Today when I tried to log on, I received a message that my account was locked and a phone number to call. Upon calling that number, I was transferred to a " specialist '' by the name of XXXX ( employee number XXXX ) who informed me that my account was closed because my automatic contributions were being rejected by my checking account and further that I would not be able to log on to retrieve my statements, account number, or withdraw my existing balance of {$150.00}. When I asked for her supervisor, she told me that one was not available and hung up on me.
Product: Checking or savings account

Bank of America put a hold on my direct deposit paychecks today and took the entire amount over {$1300.00}. They said that it has to do with my daughters account, which she closed in XX/XX/2022, having insufficient funds. When they closed her account and sent her her funds, they sent her more than she had on deposit. She contacted them and made an agreement to pay the money back $ XXXX. Last month Bank of America withdrew from my account {$76.00} and {$30.00}. They said this was the monthly charge to payback the insufficient funds. I didnt not give them permission to withdraw any money from my account that would go toward any insufficient funds. My account doesnt have insufficient funds issues. I called them last month to resolve the issue. But they passed me from one department to another. I called them today and they passed me around to several departments. One of their representatives said that the hold would be removed by XXXX XXXX. I have her name and the location that she works at. I went to the local branch and they said that we will have to wait till Saturday morning to see if the hold would be removed. And that somebody from the bank will call me before the end of business day to update me about the status of the hold. They didnt call. I called them before closing. They said the money had been withdrawn and applied towards my daughters closed account that has insufficient funds. They lied to me on the phone and lied to my face, just to get me off the phone and so I would leave the branch.
Product: Mortgage

Our mortgage was transferred XX/XX/XXXX from XXXX XXXX to Freedom Mortgage. We still owed a payment to XXXX XXXX for XX/XX/XXXX, according to Freedom Mortgage, so we paid twice in XX/XX/XXXX. This brought us current as far as we knew. Everything was fine until XX/XX/XXXX, they are saying we are still a month behind and keep changing their story as to why. Everytime we speak to someone they have a different story as to why we still owe another months mortgage payment that we have already paid. We even made a principle only payment XX/XX/XXXX, that they then tried to apply to another mortgage payment without our authorization. Please help. This is getting out of control, and they keep telling us to talk to our former lender, and we have, they said we were current before we transferred. We have never been delinquent on our payments. It seems like they are trying to make us go into default.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. thank you for herring me out