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

To whom it may concern, I have tried several times ( 4 to be exact ) to get Trans Union, XXXX, XXXX, and XXXX to investigate my credit file as they are reporting inaccurate information. I noticed that they were reporting bankruptcies on my credit file that they received from XXXX which I noticed was also reporting inaccurate information to Trans Union, XXXX, and XXXX. I contacted XXXX by mail, and they advised that Trans Union, XXXX, and XXXX  has never responded to their request to initiate an investigation into the inaccuracies that they have been reporting. I have attached letter correspondence between XXXX and I which states that they reached out to all 3 credit bureaus who are simply stating that they will not re-investigate their inaccuracies. I have also put a freeze on my XXXX file until the inaccuracies are fixed by XXXX. I have contacted the bankruptcy courts who stated that they did not report any court filings about me containing my social security number to XXXX, Trans Union, XXXX, or XXXX. Note that I am a " XXXX '' and my father shares the exact same name and addresses attached to his credit file. If the original source of those reports ( The Federal Courts ) is stating that they did not provide any information to either of those bureaus regarding any cases, if any that I'm involved in, then how is this being reported on my credit file? Since XXXX, XXXX, Trans Union and XXXX  have all refused to correct those inaccuracies, I am filing a complaint with your office. I have also attached all USPS certified returned confirmation slips that confirm that all four credit reporting bureaus received my disputes and refused to follow the guidelines set forth in the Fair Credit Reporting Act. 

I have also contacted XXXX, XXXX  and Trans Union in reference to a collection account that was added to my credit file without me receiving any notification of this collection account. I have sent four dispute letters to each agency and only XXXX  corrected their file to report accurately. XXXX   conducted the proper investigation into the frivolous collection account and removed it, then why are the other 2 bureaus refusing to do the same? Any assistance from your office to get these credit bureaus to conduct proper investigations into inaccuracies on my credit files would be appreciated.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called XXXX XXXX XXXX, XXXX to remove the XXXX XXXX XXXX XXXX XXXX account from my credit report. the Last XXXX digits of the account number is XXXX with a past due balance showing of XXXX dollars. I wanted them to remove and block first tech from reporting because I am the victim of identity theft and fraud. The supervisor refused to do so and got smart with me over the phone last night around XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4200.00} USDA XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Product: Checking or savings account

I received a letter from Citibank dated XX/XX/XXXX asking me to contact the bank about a Savings Plus account ending in XXXX. I spoke with XXXX XXXX ( XXXX ) and provided him with the Know Your Customer ( KYC ) information over the phone. I also sent Citibank a copy of my valid New Jersey Driver License to CITI KYC ( XXXX ). I followed up on XX/XX/XXXX and again on XX/XX/XXXX to ensure the matter was resolved to their satisfaction. NO RESPONSE! 
I then received a second letter dated XX/XX/XXXX which stated that " Your account is at risk of being restricted. Information needed by XX/XX/XXXX. '' I called XXXX XX/XX/XXXX and spoke with " XXXX '' in XXXX, XXXX. Again, Citibank never got back to me to confirm the matter was resolved. 

Today, XX/XX/XXXX, I discovered that said Citibank Saving Plus account ending in XXXX is blocked ( Restricted ) and I can not access the {$1900.00} account balance. I called XXXX and spoke with Citibank KYC employee XXXX XXXX in Kentucky, but he needed permission to remove the block on my Saving Plus account. I need to withdraw the account balance but can not do so because Citibank is effectively holding me and the account co-owner ( XXXX XXXX  XXXX ) XXXX. I have documentation to prove that I complied with Citi 's KYC request. 

The Citibank KYC reference number is : XXXX - XXXX. 

Please help. I am a former Citibank Compliance Testing Vice President ( XXXX - XXXX ) and no one at Citibank appears empowered to change the posting status of the Savings Plus account so we can close it. 

I can be reached at XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I FILED A COMPLAINT IN XXXX OF 2024 IN RE - TO LENDMARK FINANCIAL AND I DID GET A CALL ABOUT MY COMPLAINT BUT NOTHING MORE THAN THAT SO I AM CONTINUING TO FILE ANOTHER COMPLAINT IN REGARDS TO THE FEES OF ADD ONS, XXXX XXXX HAS SEVERAL PROTECTIONS FOR CAR BUYERS BORROWERS ETC LENDER CAN NOT ADD CHARGES TO A CAR CONTRACT WITHOUT THE BUYERS CONSENT AND DISCLOSURE I NEVER RECIEVED A DISCLOSURE OR WAS I ASKED ABOUT THE ADDONS SO IT WASNT KNOWN AT THE TIME BECAUSE THE LENDER DID NOT EXPLAIN ANY ADDITIONAL CHARGES SO AGAIN I ASKED LENDMARK TO REMOVE THE ADD ONS AND ADJUST THE SALE PRICE OF THE VEHICLE THE XXXX TOLD ME NO HIS NAME IS XXXX THERE WAS NEVER A CREDIT DISCLOSURE OR EXPLANATION TO HOW IT IS USED AND THE FIRST CONTRACT HAD XXXX OF XXXX % I REFINANCED THINKING IT WOULD LOWER MY PAYMENT IT RAISED IT WITH XXXX AT XXXX % WITH NO EXPLANATION AS TO WHERE THEY FIGURED THE XXXX ALSO I DID GET A PRINT OUT OF PAYMENT S RECIEVED AND NOTICED THE FEES THAT ARE CHARGED FOR LATE PAYMENTS ALSO I PAY WITH MY DEBIT CARD ONLY I SEE NSF CHECK RETURN FEES I DONT PAY MY CAR NOTE WITH ANY CHECKS SO I DONT KNOW HOW THEY CONTINUE TO XXXX FOLKS AND NEVER HAVE ANY KIND EXPLANATION TO FEES ADD ONS THEY SAY THE ADD ONS WERE TAKEN OFF BUT IT WAS NEVER ADJUSTED THE TOTAL XXXX SO THE CONTRACT SHOWS XXXX MORE THAN WHAT I BORROWED AND THE PHONE CALL FROM A LENDMARK EMPLOYEE DID NOT CHANGE THE ERRORS THAT THEY HAVE APPLIED TO MY LOAN AND IVE HAD UP TO MY EARS WITH THERE BS SOMETHING NEEDS TO BE ADDRESSED ABOUT THEIR PRACTICES ITS DECEPTIVE AND AGAINST THE LAW ITS VIOLATING THE FINANCE ACT AMONGS OTHER LAWS I DO HOPE YOU CAN FIND A WAY TO THIS MATTER ALL OF THE EMPLOYEES ARE INCOMPETENT AND THEY HAVE NUMOUROUS COMPLAINTS ON THE BBB WEBSITE OVER XXXX COMPLAINTS THE NEXT STEP IS TO FILE IN COURT ON THEM IM LOOKING FOR RESOLUTION AND THE TRUTH IN LENDING ACT WHICH THEY DO NOT APPLY ITS PREDATORY LENDING I SAID IT BEFORE SO THERE CHGING ME NSF FEE FOR A CHECK THAT WAS NEVER WRITTEN I ALWAYS PAY WITH MY DEBIT CARD .PLEASE DO GET BACK TO ME, THANK YOU
Product: Mortgage

My home burned down in the XXXX XXXX fire in XXXX XXXX Colorado on XX/XX/2020. I have my loan through Quicken Loans # XXXX. They sent me a letter saying that they were going to place a " lender placed '' insurance policy on my property if I did not provide the claims settlement letter from XXXX XXXX at a cost of over {$10000.00}. XXXX XXXX finally sent me the settlement letter just shy of six months from the date of loss. I asked XXXX to accept some other form of proof or even call the XXXX XXXX XXXX. They would not accept anything but the settlement letter. Now I have submitted the letter and reconstruction estimate through several portals that they have and they do not find it. This is beyond frustrating. I have several concerns : Quicken Loans should not be able to put or sell insurance on a property that is not there. I believe it is incumbent on them to do reasonable due diligence on their own to determine if the home is a total loss ( contact the authorities, the HOA, disaster officials. The fact that my home burned down is a well know fact in the county ( along with about 300 others ). They have raised my payment from {$2000.00} to over {$4300.00}. This is beyond unconscionable. 

Quicken should listen to what people are saying instead of following corporate protocol. This is very simply common sense. They should be able to fix this issue in one day. 

I think the CFPB should take action against companies that have these heartless and insensitive tactics. If this isn't illegal, it certainly should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry XXXX XXXX. I've called and informed them that i did not applied for a car with them and that the inquiry most be remove.They check an said they have no record of me in their system. I've since contact transunion an let them know but the Inquiry is still on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed In pursuant of FCRA 605B ( 15 u.s.c. -1681C -2 ) that you experian reporting agency, block information appealeing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This is fraudulent, and inaccurate, and false information the accounts and information that appears related to the aforementioned personal accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I lost the card, and someone used the card to make unauthorized transactions. 

I have never received any merchandise from the card being stolen. I didnt authorize any of the transactions provided on the card. I have no knowledge of who could have found the lost card and used it. The card was not in my possession at the time of the unauthorized transactions. I have never allowed anyone access to use my card. I believe that my fraud claim should be honored due to me having no knowledge of who had the card. I couldnt have used the card myself XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I havent been able to leave my house due to being put on a 2 week quarantine 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  Due to me being isolated, I had even had to miss XXXX/work due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I should not be held responsible to the unauthorized transactions due to the fact that I had nothing to do with the unauthorized charges.
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 about consumer safety.
Product: Checking or savings account

Optum Bank took over the XXXX XXXX Reimbursement Accounts from XXXX XXXX at the end of XXXX. The money was supposed to be transferred from XXXX XXXX on XX/XX/ to Optum Bank. 

Attached is a copy of the transaction history from XXXX XXXX. It shows {$29000.00} being processed on XX/XX/. That money never showed up at Optum Bank. 

I have been working with Optum Bank for over 2 months but no resolution. I never get a call back, when I call they open another ticket and say wait 3-5 business days. Nothing appears to be happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time of the late payment XX/XX/2020 I was severely impacted by COVID-19. And my job went on furlough and the Texas unemployment had me on hold while they verified with my employer. I incurred a late payment from the finance company on my credit report. The late payment was not a good indicator of my actual credit worthiness.
Product: Checking or savings account

Hey navy federal credit union has been giving me problem after problem if you guys are holding my money for my credit card and my card is over the limit I should have the option to pay my card off or pay it down with the money that is on hold in my account they should not have the power to pay off any debt or any over draft account with out my say so yall holding my money then I cant have access to it because the super vision said so that dont even make since navy federal credit union is a horrible banking company I dont see why I couldnt have the option to give them XXXX or set up a payment plan they just took my money and did what they wanted to do they didnt notify me I had XXXX dollars available they just snatched it and paid a bill it didnt even go in my saving but for like two seconds then they took it I dont have my account on auto pay or anything
Product: Credit card or prepaid card

I was recieving emails from Apple card ( Goldman Sachs ) that was saying I am elegible to enroll to Disaster Relief Assistance Program by FEMA, which provide benefits like skipping payments due in the month I enrolled and no interests will be charged. So I was enrolled and was contacting XXXX support to make sure that I will not be charged for the month of XXXX, they confirmed that, but I still was charged {$140.00}. For the month of XXXX I made total amount of payments {$350.00}. I was trying to dispute charge with XXXX support, opened dispute case, but it didnt work, because they said even if I am enrolled I still had to pay minimum interests, what made me confused because this is why I was enrolling to Disaster relief program to avoid paying interest for the month of the enrollemen and I actually was making payments which is total {$350.00}. In XXXX I was enrolled again and even though I paid {$240.00} which is more than my minimum interest for the XXXX month. Again contacted XXXX support to make sure if I will not be charged, they said yes I will not be charged, but at the end of the month I was charged {$130.00}! Calling them every day, every day supervisors keep giving me different information, like this charge was for the previous month, then they was saying, I was charged because I wasnt enrolled, then because I am not eligible for this program, lying and giving new information again and again. They was keep lying that they was actually opening dispute cases when they never did, first saying me to wait up to 10 days, then 30 days, after 30 days wait up to 90 days. Every time when I am asking fot the ticket number of my case, they was putting me on hold and hung up. So I was calling again and again talking to hundres of supervisors explaining situation again and again, they was " opening new dispute cases '' every time and when I am asking what happened with previos cases, they were saying that they can not see any opened case, which means every supervisor was lying about opening case, they was just making me to wait for the time of reviewing the case, probably just until I forget about the issue. They keep saying you will recieve a call or email about your dispute case, never recieved anything since XXXX. The only email I recieved says " that you are not eligible to enroll in disaster relief program, because your account is currently enrolled in disaster relief assistance '' which doesnt make any sense honestly. I gave up to keep calling them because all they do is keep lying and hunging up when they dont feel comfortable to talk anymore.
Product: Student loan

To Whom it may Concern, My husband and I have two little children age XXXX and XXXX years old in private school, where we leave the school is score XXXX out XXXX. We both decided to return to school in XXXX, and a friend of us referred us to XXXX XXXX in XXXX XXXX New York. It was an interesting moment for us, because we want to achieve our goal. When we went there the staff from the registrar office help us apply for financial Aid and Private loan and pay the interest while in School, which we did not have a clue about other choices, the person who was helping us choose the payment plan just choose it without proper explanation. We end up with Sallie Mae, while in school we both are receiving the statement from Sallie Mae stated how much we will have pay every month, which we did start paying and we still owed.My total is {$11.00}, XXXX, my husband owed {$15000.00}, which both of us are paying for Sallie Mae and we sent {$200.00} or {$100.00} every three months, for XXXX only we pay for both of us {$470.00}. XXXX XXXX is withdrawing {$280.00} from my credit card every month for my XXXX in XXXX. Sallie Mae keeps calling every day and anytime during the day or night. I, personally finally answer Sallae Mae, just to have a deal and I explain my situation to the rep, she said she is going to help me and she told that I have to pay {$400.00} every month for myself and my husband she did not give the amount yet. I told the rep that I will not be able to afford this amount, because I am still doing the same job and I am not working on my major, and my hourly is the same little money, she told me to wait and someone else will help me with my monthly bill that I will pay. I waited for 45 minutes and no one come over the phone to help me. Like I told the rep before she put me on hold, if she can not find me a deal, I will pay what ever I can effort according to my budget. I have being paying this loan since XXXX and the loan never decrease, and instead of decreasing we see that the amount it getting 3 times the money that we borrowed. Sallie Mae is driving us insane by calling us at the home phone any time of the day or night and on the cells phone, also the reference of people that we gave when we were filling for the loan, five to ten time a day even on the weekend, and the rep keep harassing us and so on. We are tired of these non sense from Sallie Mae. If we did not make any payment, we will understand these harassment. we do not know where we going to find all this kind of these money to pay total of XXXX every month because of pass due. We are struggling to pay everything, but we still manage to make the effort and pay our bills. What we are thinking right now, is that going to school is a burden, because not only we can not find a job on the major that we earned and secondly we have to go through to all of this things, which is a shame. We still have the dream for a master program, the question is how we are going to afford to pay for this dream?
Product: Credit reporting or other personal consumer reports

15 USC 1681c-2 IMMEDIATE BLOCK AND DELETE OF FRAUDULENT and false personal information being reported. SEE ATTACHED. 
Ive made several requests to EXPERIAN, however they have failed to honor the process and continue reporting information they know is false, inaccurate and not related.
Product: Debt collection

The credit collection company has not proved Iown the debt and continue to " reage '' said debt on my credit report by adding or misusing a dollar to update the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally disputed this complaint but it was marked as a duplicate- THIS IS NOT A DUPLICATE - This is one of several accounts that this company is financially harming me on my account. 

National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX  , XXXX  and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 1. Date Opened is listed different on multiple credit bureaus. 2. This account XXXX Has FCRA Violation. 3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 3 different dates on each credit bureau. - Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX, XXXX, and XXXX  correct and remove this inaccurate info from my credit report.
Product: Debt collection

I am again reporting XXXX  XXXX  services because again I did not give them permission to obtain any debt. They bought my debt without my permission that is against FCRA they did not notify me until after the transactions were already done that they now own my debt I do not owe XXXX  XXXX  services anything They fraudulently did this behind my back. They claim they sent me notifications which they did only after I repeat after they bought a debt that they had no right to buy or it was transferred over and I got no notification. I do not owe portfolio recovery services and I asked to be removed from collection.
Product: Credit reporting

Early Warning has adverse information from XXXX in regards to a fraudulent and unauthorized checking account. I have never opened a checking account with XXXX. Someone stole and used my personal information to impersonate me and open up a fraudulent and unauthorized checking account with XXXX