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

Identity theft, and or Fraud has been done on the accounts below. I did not make these transactions pursuant 15 USC 1681c ( 2 ), 15USC 1681q ( 3 ) you or anyone of these companies did not have Permissible purpose ( 15USC1681b ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ). I have disputed things and with out investigations you say you have and its accurate. An investigation 15USC 1681a ( e ). That was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED  1  )  XXXX   XXXX 17  XXXX 17  XXXX   XXXX  17   XXXX   XXXX 17  XXXX 17  XXXX   XXXX   XXXX  17   XXXX   XXXX  17   XXXX   XXXX  17   XXXX -17   XXXX      XXXX    XXXX  17    XXXX   XXXX    XXXX -17  XXXX   XXXX   XXXX  17    XXXX      XXXX    XXXX  17  PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED
Product: Vehicle loan or lease

I am at the end of term with the auto dealer. There is an issue with the loan payments being lowered after a payments are made. the balance was XXXXand a  XX/XX/XXXX and XX/XX/XXXX payment was made in the amount of XXXX plus late charge of XXXX totaling XXXX. my balance should be XXXX, but is XXXX. The dealer stated it is daily interest of XXXX added until loan is paid out. There is a difference of XXXX. They can not explain why. No action taken.
Product: Mortgage

LoanDepot.com has been " experiencing a cyber incident '' ( their wording ) for about two weeks as of XXXX XXXX. I pay my monthly bill online and have been unable to do so. Today I tried to call their customer service at about XXXX XXXX EST but a recording said their office was " now closed '' and then told me the office was open " from XXXX XXXX  '' to some time in the evening. So, I can't contact them for any more information nor to give a payment over the phone. This " cyber incident '' is going on much longer than it should for a reasonably competent financial organization.
Product: Debt collection

Trying to collect on a debt that does not belong to me. jj marshall & associates
Product: Debt collection

On my XX/XX/2020 my dispute to SCA collections was delivered I requested the 1099-oid and them to remove this account because it is medical and I did not give anyone permission to report my private information since then not response
Product: Checking or savings account

On yesterday, XX/XX/2023, I removed {$1100.00} dollars out of my account through XXXX. I received an email from Wells Fargo on this morning, XX/XX/2023 indicating that my account had a XXXX dollar balance. I left {$24.00} and some change in the account. So, I called Wells Fargo and no one is able to assist me. I received another email about an hour ago indicating that my account was overdrawn. Wells Fargo basically wants me to give them my payroll check back as if the money was meant for them. They told me that I will receive overdraft penalty if I do not put my payroll check back into my account. The last I check " XXXX XXXX '' was deceased. I am not banking with the XXXX! I literally thought that they were a reputable bank, but I know differently now.
Product: Mortgage

I was overcharged. 
I want to make sure that the money doesnt own me any money.
Product: Bank account or service

I opened a Citigold checking account with Citibank on XX/XX/2015. The account came with an opening promo : XXXX American miles to be awarded within 90 days after I completed the requirements for the promotion. The promo code was XXXX. I completed the requirements for the promo on XXXX, which was confirmed in writing by XXXX separate Citi customer service reps. Well over 90 days has passed, and I have not received my promotion award. I called Citi and simply got shuttled around within their help system
Product: Checking or savings account

I've been depositing my paycheck with the USAA Mobile App every month since XX/XX/2019. Deposits on payday are approximately {$6000.00}. Every time, there is a {$1000.00} hold of the the {$6000.00}. That is not the problem. On XX/XX/2019, I deposited my paycheck of {$6000.00}. A hold was placed on {$5500.00}. This hold has prevented me from paying rent and bills. I trusted the bank. They always held only {$1000.00}. I work for the XXXX of XXXX. My checks are not from an unknown source. I spoke with USAA Monday, XX/XX/2019 and escalated by call as high as I could go for all the representatives to tell me there is nothing they can do about it and the hold will be in place until XX/XX/XXXX. There was no information when I deposited that possibly this much money would be placed in a hold. 

Is it true the bank can not remove the hold? Is it impossible?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that exposed significant shortcomings with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was impractical. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users exposed to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized/fraudulent inquiries on my Equifax report and even though I 've sent letters to each of these Companies and Equifax but I get no response, and it has been 3 months. I have attached a list inquiries which should not be on my Equifax Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and the credit reporting agencies for inaccuracies and discrepancies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). 

Issue : My credit report has been improperly updated to reflect multiple instances of the same XXXX XXXX account, resulting in the display of triplicate accounts. Although XXXX of these duplicate entries have been deleted, one remains, which continues to inaccurately affect my credit report. Additionally, the account in question has been removed and reinserted without any fair warning or a Method of Verification ( MOV ) as requested and as mandated by the FCRA. 

Details : Multiple Entries : Initially, the XXXX XXXX account was being reported XXXX times on my credit report, each as a separate account. This was a clear error and misrepresentation of my actual credit history. 

Identical Balances : All XXXX  entries had the same account balance, indicating they were duplicates. 

Remaining Discrepancy : Despite the removal of XXXX of the duplicate entries, XXXX erroneous entry remains. Given the initial discrepancies, all three entries should have been removed to ensure complete accuracy. 

Reinsertion Without Notification : The account in question has been removed and reinserted into my credit report without providing me any fair warning or Method of Verification as requested. This action is in direct violation of the FCRA requirements. 

Violation of FCRA : According to the FCRA, credit reporting agencies and furnishers of information are required to ensure that the information reported is accurate and complete. The persistence of XXXX duplicate account for the same debt, the inconsistencies in the reported information, and the reinsertions without proper notification are direct violations of these requirements.
Product: Credit reporting

This is my Forth formal complaint, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XXXX XXXX, XXXX and XXXX XXXX Credit CardJun XXXX, XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX . Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this forth time will pave way for a suit.
Product: Credit card

This is a follow up to complaint # : XXXX. 
The original complaint is as follows : My credit card issuer, XXXX, assessed my account with late payment fees of {$25.00} on XXXX/XXXX/XXXX, {$35.00} on XXXX/XXXX/XXXX and {$35.00} on XXXX/XXXX/XXXX which were all a direct result of XXXX 's payment system being unavailable to access requests from XXXX and their Customer Care Agents providing incorrect payment processing information. In speaking with their Internet technical support services staff 3 days prior to the initial fee assessment they informed me that they were not able to provide an alternative and advised me to contact the XXXX 's Customer Service telephone line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. In following up with a phone call to an Account Manger on XXXX/XXXX/XXXX I attempted to dispute the prior assessed late fee and also requested to have my current payment due processed by phone and also have future payments automatically drawn from my checking account - none of which was done properly. 

In following up with the account management team on XXXX/XXXX/XXXX I learned that the likely reason for the miscommunication was that the support services staff, which was recently outsourced, was not familiar with the newly implemented procedures. 

I 've been a customer for approximately 15 years and only within the last 12 months have I encountered repeated billing and payment issues but early on I was able to reach an " on-shore '' representative which took the time to research my issues, provide guidance and prompt service. Unfortunately, and as of late, there is no follow up from any of the account managers nor responses to letters or phone calls. 

Complaint addendum ( XXXX ) Today I spoke with a representative ( XXXX XXXX XXXXXXXXXXXX | XXXX ) from Citi 's " Executive Office '' and after reiterating the details of the complaint above the representative was inflexible regarding the reversal of fees in addition to updating the negative credit reporting entries. In the course of our discussion he informed me that he reviewed my call history with Citi and found no record of my discussions with other representatives or prior service issues. I then proceeded to provide the dates and various representatives names I spoke with in attempting to resolve the issues. He claimed there was no record of any such discussions. I then provided details regarding internal process changes and dates that directly resulted in these issues and despite confirming my knowledge of said process changes and their time frames, which were not discussed in any of the calls he claimed to review, he refused to further investigate the issue, change his position, escalate the matter or provide any solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Credit reporting or other personal consumer reports

The school removed the loan from my account and sent the funds back to department of Education two weeks ago. I do not have a loan because I paid school out of pocket and conferred master degree on XX/XX/2023. I do not have a school loan. 

Direct unsubsidized loan ( University XXXX XXXX XXXX ), Principle amount {$20000.00} Loan servicer : XXXX Account number XXXX
Product: Checking or savings account

I opened this account on XX/XX/XXXX. Until now I have no way to access my funds. They still havent sent me a debit card and now they tell me they are closing my account for security reasons. This is totally unfair business and is illegal.
Product: Bank account or service

Hi there, I 'd signed up for a Citibank Citigold account after confirming with a representative by phone that I was eligible to receive their promotional XXXX XXXX XXXX AAdvantage miles after, in the first 60 days, making {$1000.00} in debit card purchases and 1 or more bill payments for two consecutive months. 

After completing these requirements, I was told 3 months later that I was actually not eligible for the promotion. I have followed up numerous times, only to be told every time that the promised promotion would not be honored. In the meantime, I was also assessed ( 3 ) $ XXXX monthly fees just for having the account open. The promotion was what drew me to the account and I had no interest in it had I known it would not be honored. 

Thanks for your help, CPFB! 

XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally requesting a security freeze on my credit report under the Fair Credit Reporting Act ( FCRA ) to prevent unauthorized access and ensure compliance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had both checking and savings Accounts with Rockland Trust since XXXX to date and since XX/XX/XXXX has a Car loan with XXXX XXXX XXXX. I have not been able to get any credit report at all. I also have a credit card at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATIVE RESEARCH Hello, This inquiry is on my credit report that was pulled without my knowledge for a morgagte with XXXX XXXX I would like this removed as well as I did not receive a loan from this company and do NOT have any morgagte loan at all so I did not receive anything from this company and they are on my credit report and I have no business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Product: Checking or savings account

XX/XX/year> {$5.00} margin call I contacted sofi XX/XX/XXXX to settle a dispute with funds being transferred from an incorrect account. I was told " someone will reach you shortly to resolve this issue because it was a different department ''. I have since tried to login to check to see if changes were made without recieveing contact from SOFI. I have not been able to access my account. Also, I have tried tk reset my password to see if this would allow me access to the account using my information on file 4times, and have not received an email to reset
Product: Mortgage

According to the response to my complaint, BBVA-Compass stated my mortgage was discharged XXXX XXXX, 2014 because my account ( # ... .XXXX ) was 133 days past due. 
I dispute the claim that my account was 133 days past due on or about XXXX XXXX, 2014. Copies of checks which indicate that my mortgage was current at the time BBVA-Compass discharged my mortgage.
Product: Credit card or prepaid card

I used the credit card to make some large purchases and suddenly my account was closed. The card earns 2 % cashback and the bank will not give me the {$380.00} that I should be receiving in cashback.
Product: Credit reporting or other personal consumer reports

Despite our previous discussions and assurances, it appears that the fraudulent items have not yet been removed. This continued presence of unauthorized charges is not only concerning but also poses a significant inconvenience and financial burden to me. 

I want to reiterate the urgency of this matter and the importance of promptly resolving it. These fraudulent charges not only impact my financial stability but also erode the trust I have in our business relationship. 

Therefore, I kindly request that you take immediate action to remove the fraudulent items from my account and provide me with confirmation once this has been completed. Additionally, I would appreciate any insights you can offer regarding the investigation into these unauthorized charges and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : $ XXXX Repossession : XXXX XXXX Balance : {$210.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : $ XXXX Repossession : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$3900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XX/XX/XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.
Product: Debt collection

XXXX XXXX XXXX, when I was originally living at XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX, I received a Delivery Service Invoice from XXXX. Someone in New Jersey sent a package to an address I have no affiliation with or have done business with. I tried to dispute the charge via online when I had an online account with XXXX, and they rejected my claim. I called the XXXX Fraud Team via phone, and I was given the assurance I will no longer see another invoice. I canceled my XXXX online account, I listed my reason why, and it is confirmed my online account from XXXX  is canceled. 

XXXX XXXX XXXX, I receive MORE INVOICES to the XXXX address from XXXX  in the mail and then two notices from their collector Synter. The total went from {$3.00} to almost {$90.00} because I refused to pay the invoice. On XX/XX/2024, I call XXXX  ' Accounts Receivable Team and Synter regarding the situation and had the debt canceled. I even told the XXXX  Accounts Receivable Team and I quote, " If I receive another XXXX  invoice to a package I did not send, I will report this to the CFPB. '' XX/XX/XXXX, XXXX XXXX, 2024 : I receive ANOTHER INOVICE in the mail at the XXXX address from XXXX, this time to an address in XXXX, TX sent from California ( Here 's where the package was sent to : XXXX XXXX XXXX  ). Tried to contact XXXX Fraud Team, and it's even more difficult to report the issue and now I get a notification telling me they will contact me within a day. Sent complaint to CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) ** Dear XXXX Customer Service, I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report as a result of identity theft caused by the XXXX data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include the following : Fraudulent Accounts : XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX To facilitate your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report This breach of personal information has caused significant harm, and I expect XXXX to fulfill its legal obligation to protect affected consumers by taking swift and decisive action to address these fraudulent entries. I demand written confirmation that these accounts and inquiries have been permanently removed from my credit report, along with details of any findings from your investigation. 
Failure to act promptly will result in my escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure my rights are upheld. 
Please confirm receipt of this letter and provide a resolution within the timeframe mandated by federal law. Should you require further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reported on my credit report. I have contacted all 3 bureaus and let them know that this is my fathers bankruptcy. XXXX removed the account, however XXXX and equifax verified this account was mine. I have explained to them that me and my father have the same name and address. They refuse to remove it. If you look at my credit report, i have no items included in the bankruptcy, which is impossible if it was really my bankruptcy.