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

I moved from XXXX to XXXX in XX/XX/XXXX. I tried to get XXXX at my new house and they told me I was not eligible because I had an open acct at my old XXXX address. I explained to XXXX that was a joint acct between XXXX and I and we had split. When I asked XXXX to remove my name from the acct I was told that he had to do it because he was the primary acct holder. I immediately contacted him, we share a daughter, and asked him to call and let them know I no longer lived there and hadn't lived there in 3 yrs. XXXX then called me and told me he had my name removed. When I called XXXX back about 1 week later I was able to get the service with no issues, so I assumed my name had been removed off the other acct and the issue had been resolved since the representative allowed me to open an acct here in XXXX. Apparently this issue was not resolved and there is a delinquent bill at the address in XXXX. I contacted XXXX and explained to them the situation and that I am currently a XXXX   account holder and am current on my account. I also explained what had happened when I originally tried to get XXXX  here in XXXX  back in XXXX and was not able to. At no point was I contacted by mail or phone to even notify me that I had an outstanding balance on anything, and certainly not 2 cable accounts that range from {$150.00} to {$200.00} dollars a month. I certainly would not have let it go to collections. This should not be on my credit report due to it is not my account. This has a negative impact on my credit score and showing I owe XXXX/ Receivables Performance Management in the amount of {$940.00}. Not only was the account delinquent they also have not returned the equipment apparently. If you check anything on me you will see that I have not resided in XXXX since XXXX, or at that address since XXXX. My transfer from my job can also confirm this information. Thank You for your time and assistance.
Product: Debt collection

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on Unknoiwn ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} I have no knowledge of these accounts please me them immediately
Product: Money transfer, virtual currency, or money service

Used Venmo as a form of accepting payment and was not able to deposit Venmo balance into my XXXX XXXXXXXX XXXX account even after providing the requested documents to confirm my identity.Transaction was on XX/XX/2022 for the amount of {$2500.00} and since then Venmo has frozen my account and denied access to my funds. My user name for this account is XXXX
Product: Vehicle loan or lease

We were denied a claim for {$1500.00} for excess wear and tear. We extended our lease for a XXXX XXXX XXXX XXXX and were not informed that it would affect our excess wear and tear charges, which we paid coverage for. The car was returned on XX/XX/XXXX and a new VW lease was purchased on the same day. We were charged the same monthly payment amount for the extension of the old lease. We were still paying towards excess wear and tear coverage and it should have been covered.
Product: Credit reporting or other personal consumer reports

Around the first or second week of XXXX of the year of XXXX, my wife and I were planning to refinance our house. While we were in the process of refinancing, our financial institution that we were refinancing with has pulled up our credit reports. My loan officer verbally stated all the loans that I had outstanding. He also emailed me a list of outstanding loans. After reviewing this information, I told my loan officer that I don't recognize this auto loan from Westlake Financial SVC. My credit report in XXXX showed an outstanding loan amount of {$23000.00}. This auto loan account ( account # XXXX ) was opened on XX/XX/XXXX without my knowledge and without my consent. The length of the loan term is 60 months with a monthly payment of {$520.00}. On XX/XX/XXXX, I have decided to file a dispute in the XXXX website. This dispute was related to this auto loan account with Westlake Financial SVC. According to XXXX, this dispute would be resolved on XX/XX/XXXX. Since this dispute has been opened, this dispute has never been resolved. I have called Westlake Financial SVC several times using this phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX to complain about the auto loan mentioned above. As of XX/XX/XXXX, this auto loan from Westlake Financial SVC is still shown on my credit reports.
Product: Debt collection

They reported to credit bureau that I have an account in collections with them ( Wakefield and Associates XXXX ) from " XXXX XXXX XXXX '' in the amount of {$1700.00}. 
I called them when I found this on my credit report and they could not find an account in my name or with my social security number, so basically it did not exist.
Product: Credit reporting or other personal consumer reports

I was involved in a data breach and need this XXXX XXXX XXXX account removed from my credit report
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX/Experian reporting this bankruptcy showing on my credit that is not mine from XX/XX/2020. I have also provided a police report showing I reported said bankruptcy. They continue to report the bankruptcy. I ask for how it was verified, and they just respond saying it was verified. 

Multiple phone calls and letters with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was doing my regularly credit report check and noticed that there was a strange account from XXXX SECURE CARD on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The inquiry date is XXXX XXXX, 2022. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Product: Mortgage

I applied for a conventional 30yr fixed mortgage loan with Sebonic Financial in XXXX, NC which is a subsidiary of Cardinal Financial Company. I did not receive the correct Closing Disclosure until I was at closing. I was provided a preliminary disclosure, but it was not 3 business days in advance and it had significant errors ( over {$170000.00} wrong ) although the new mortgage rules require disclosure at least 3 business days in advance. I had to explain to the lending institution that a HUD is no longer provided by the closing attorney and spend countless emails and phone calls back and forth requesting they correct the closing disclosure and paperwork, but I had to sign incorrect paperwork at closing because it was never corrected appropriately.
Product: Checking or savings account

Card was blocked 2 times in 1 day and is still currently blocked as Im on the phone with Citi Fraud protection. I have given them my phone number to verify but it doesnt work because phone number isnt under my name..which doesnt make sense because XXXX line is under my name. They dont want to use my ssn, my address, or any other way to verify me and want me to wait 5-7 business days for a letter to verify me. 

What a XXXX XXXX XXXX
Product: Mortgage

Addendum to complaint XXXX : I went to the Send Message part of Freedom Mortgage 's website 2-3 times between XX/XX/XXXX and XX/XX/XXXX as well. The website has a " Subject '' pull down menu that is blank. If this is not filled in, the Message will not " Send. '' I tried to send Messages twice this way as well as all of the phone calls mentioned in the above complaint.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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.
Product: Mortgage

I have a loan account with BSI Financial. My account includes escrow for taxes and insurance. I have contacted them at least 10 times by both email and phone since XXXX trying to get them to pay the county taxes that were due in XXXX. They have yet to act, and I have no where else to turn since they will not pay the bills. I tried to cancel my escrow so I can pay the bills myself, but they denied the request since my loan is less than two years old. I need assistance getting my tax bills paid, in which there is more than sufficient funds in escrow to cover. 

Account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the Transunion Credit Bureaus and the XXXX but they have provided me with nothing tangible which reflects anything verifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. There is definitely an error with their part.Investigate properly and please update for 100 % accuracy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}.
Product: Vehicle loan or lease

XX/XX/XXXX DMV suspended my drivers license for not having auto insurance on a vehicle that is not mine. 

My husband and I had this auto loan first with XXXX XXXX XXXX XXXX. My husband had that same car refinanced with Upstart Loans as the only owner. No co signer or a joint loan. 

Upstart paid XXXX XXXX XXXX XXXX on XX/XX/XXXX which reflects on my credit report. I have my own vehicle financed with my own finance company, and the loan is in my name only. I have full auto insurance for my vehicle, therefore my license should not be listed with the DMV by this company with my name. 

When the car was approve and refinanced by Upstart Loans, they should have updated the title with the owner of that loan. 

It appears Upstart falsified my name on this tag and tittle, due to the fact, I do not have a loan with them, and they do not have any correspondence showing a application, or my signature for his vehicle. This loan is not on my credit report, but listed on my husbands due to he is the owner. 

I was told by Upstart today, that this will take up to 2-3 weeks, therefore my drivers license is suspended on a vehicle I do not own. 

This is NOT LEGAL!
Product: Debt collection

XXXX the manger at century finance did not communicate that he was in an attempt to collect a debt several times. As well as XXXX his employee contacted me at work with out the Mini Miranda script. I was unaware they were attempting to collect a debit. Century finance inc, in North Carolina would also call me more than 10 times a week after I told them I have had a hardship and I will contact them asap. They also called my job XXXX so they had to call several places to find me. I also stated not to contact me at work.
Product: Checking or savings account

I went to chase bank XXXX Ohio and deposited XXXX $ on my way to buy a car. After it took the money it didnt deposit printed a receipt and now I cant buy the car I want before the year is over which means I probably wont get it at all cause I have to wait on my money to be added to my account
Product: Credit card

I did not authorize these inquiries and strongly doubt their authenticity. I urge you to conduct a detailed examination and promptly remove them from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is dat possible if the open date inaccurate, months of term, and date last reported is not accurate also last date active, date of last payment credit limit, high credit. This ground for removal they also violated my right under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. It also stated a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX I have in hand a copy of my credti report and highlighted all the inaccureate things from all 3 credit bureaus and i found alot of inaccurate things on it. So i would like it removed from my credit report from all 3 bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

They con you into an insanely high interest loan when youre venerable and you end up struggling worse than you were before you took the loan just to pay it back and will not help you. I have begged for assistance or lowering the rate but it is not an option.
Product: Debt collection

US BK XXXX - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Credit reporting or other personal consumer reports

I have been unable to view my current credit report since XX/XX/2023 and Ive applied for credit and the banks said theirs an error pulling the reports. Ive called experian, mailed them letters and requests disputed online and they say its not their fault and i need to contact the lenders. My other 2 reports are fine with XXXX and transaction. I dont understand the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- XXXX XXXX however , they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.
Product: Credit reporting, credit repair services, or other personal consumer reports

ill try to make it simple, i gave permission for my credit to be pulled by these company 's 1 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. 2 ) XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, These company i listed had my writen consent to pull my credit, all others do not have my written consent and there for i want them removed unless they can provide transunion a document with there letter head and my signature they dont have permission or pressumeable permission, i was not informed nor had any idea that all these banks was pulling my credit report. please as under FTC creditors or any person pulling a report must have permission.
Product: Checking or savings account

Navy Federal Credit Union has stolen my money, blocked my account, refused my refunds, and blocked all contact with me while stealing my money in retailation for me filing complaints of XXXX  to their company. They refused to acknowledge my complaints but deny me services. The last time I filed this complaint they BRIBED me with {$100.00} cash saying they would investigate but didn't. They reversed a XXXX fraudulent charge on my account while refusing to acknowledge my other disputes. They have deliberately withheld my direct deposits saying I was moved " to a different batch '' which is based on my XXXX. They have name calling me on the phone, laughed at me, called me a liar and shamed me based on my race and is now stealing my money and blocking me from talking to them in any form. They only sent me a form letter with no name or contact person on it! ( see attached ) This is harassment and illegal because it is based on my race witch has exasperated my XXXX, shamed me as a person, caused me extreme XXXX suffering and duress. Please help me get my money back so as a veteran living with XXXX I can get loose from the crippling XXXX grips of Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX