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

On XX/XX/XXXX an individual located with shipping address that was on the order invoice fraudulently made up an account with the company name XXXX XXXX. This person whom made this account hacked I suppose my card information and then wrote it upon one of XXXX XXXX mail order catalogs and I am assuming it made it in to XXXX XXXX mail address at some point for them to start the invoice on XX/XX/XXXX resulting in the amount of {$190.00} cents being fraudulently taken from my account reflecting on XX/XX/XXXX. I immediately notified Arvest Banks fraud department in which deactivated my debit card ; then I were instructed to contact the local bank for a new one. I were then told I could not get any dispute unless the charge cleared. I then contacted XXXX XXXX XXXX  verifications line at XXXX ( XXXX ) XXXX spoke with a lady she asked was I XXXX I said yes, gave her my card info she only wanted the XXXX few numbers of beginning of card used and the last few numbers of ending of my card. She then proclaimed to have refunded/stopped the transaction on XX/XX/XXXX since then I have constantly asked her for documentation of this being cancelled and documentation of refund she had refused and only told me all she could do was give me an order number which she made reflect {$0.00} as the total. Which Im not sure why when its clearly XXXX taken from my account ; again Ive been denied proper documentation. I contacted them back again on XX/XX/XXXX customer service on chat stated a refund was just placed that day I asked them why was this when they were notified on XX/XX/XXXX, they then told me to speak back with the verifications dept at XXXX XXXX ; the lady were contacted again very insensitive and skipped over my question as to why the refund wasnt issued immediately and answered well I did it on XXXX not sure why the customer service people told you today as in ( XX/XX/XXXX ). Unfortunately with all these things as well arvest bank took 4 days to process the charge in order to even offer me a dispute. This has been a nightmare and unfortunately as the customer I feel I have been given so much run around and misinformation as though this doesnt affect peoples lives with children etc. I wish that you all will find it feasible to hold people accountable to even have offered prompt and caring services to me rather than shoving me around.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX//2024, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 2 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX XXXX {$3100.00} 4 ) XXXX XXXX   Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$210.00}
Product: Checking or savings account

Had fraudulent activity in my chase bank account around XX/XX/XXXX - XXXX XXXX Claim XXXX XXXXXXXX Fax XXXX XXXXXXXX Last acc XXXX XXXXXXXX Due to Account takeover with phone XXXX XXXX but they never reimburse the fund. I sent over police report & identity report Total about {$5000.00} or more
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to view my credit report on Annual Credit report.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to Equifax to dispute the fraud inquiry 's on my credit report and they failed to respond or remove off my credit report. XXXX and XXXX has successful removed them but Equilfax will not respond. These fraud inquires are damaging my credit, and stopping me from getting in any type of credit or even a rental to live in. I have send in a police report numerous times as well and have yet heard from them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting errors, my bank and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions are 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
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report under Report # XXXX, which has been reported by Professional Finance Company ( PFC USA ). The original creditor for this account is a medical provider, XXXX XXXX XXXX ( XXXX ), and the account is related to medical services rendered.

I am disputing this debt for the multiple reasons Lack of Communication : I havent received any written communication either from Original creditor XXXX and collection company Professional Finance Company ( PFC ) regarding accounts being transferred or sent for collection. 

Lack of Validation : I have not received adequate validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am formally requesting the validation of this debt, including detailed information about the nature and origin of the debt, proof of any signed agreement, quality of services commencement as authorized by the doctor, and completion of individual services duly signed by me or my spouse. 

Billing and Services Error : There were multiple quality issues with the services provided by XXXX, specially for years XXXX and XXXX and for the same we have communicated multiple times to XXXX regarding completion and quality of services. 
During most of the weeks not full 10 hrs of approved services were provided. 
There were many sessions which did not commence as per prescribed weekly approved services. 
Last minute service cancellation without any backups. 
No signature post individual service commencement from parents to confirm and validation. 
Due to lack of quality services my son has faced immense challenges with frequent schedule changes, XXXX XXXX, elevation in behavior and retrogression. After no action taken for many months we had finally cancelled XXXX services in XX/XX/XXXX. 

I requested PFC-USA and XXXX to investigate this matter promptly and provide with a written response within 30 days of receiving this letter. I would like to request confirmation of individual services that include my ( or my spouse ) signature. If you are unable to validate service, this debt or if you find any errors, I request that you cease reporting this account to the credit reporting agencies and remove it from my credit report.
Product: Debt collection

I have had a XXXX XXXX bill on my credit for years. I have fought it every time I receive it from a collection agency. This time it is from Credit Control , LLC. I have told them just like all the previous collection companies that I have never had XXXX. I have had XXXX or XXXX since 1998, and they said if I need, they would write a letter stating that! I have even filed a police report like XXXX told me to and sent it to them. Yet it is still on my credit.
Product: Credit card

On XX/XX/XXXX I received an email notification from a third-party monitoring service that my GSBANK/Goldman Sachs Apple Credit Card was reported as 90 days delinquent to the credit bureaus. My card was current and had been for the entirety of 2024 and one late payment in early 2023, that was made before 30 days delinquent and brought the account current. When I selected the option to dispute the account status, the delinquency was no longer present. When I checked my card status with XXXX, it showed current. I checked with other credit monitoring services and the delinquency was also not there. However, this was reported to the credit bureaus before presumably being expunged, and the damage was done. As a result, no fewer than three other credit lines belonging to me from other lenders were significantly reduced, causing serious damage of over 100 points to my credit score due to reduced available credit and significantly increased utilization percentage. More than {$10000.00} in available credit limit was revoked across at least XXXX credit card accounts. I am pursuing credit line increases with these lenders again on my own ; however, the damage has been done. This was grossly negligent of Apple and Goldman Sachs and they should be held accountable for this egregious error that has undone all the progress I have made on my credit profile over several years of meticulous credit management.
Product: Mortgage

I began a home loan process application at Bank of America on XXXX XXXX. 
I was immediately sent to XXXX XXXX on XXXX XXXX on XX/XX/2019. 
I was then called by a man named XXXX XXXX XXXX XXXX XXXX at Bank of America. I spent 2 hours with him on XX/XX/XXXX. He told me to ask for an extension from my landlord since Bank of America was offering a better assistance program on XX/XX/XXXX. I return to the bank on XX/XX/XXXX. The application was started and I went to the bank with more documents and he was suppose to wire the escrow money to title company. The money was never wired. XXXX assured me the loan was approved and it wouldnt be much longer until we can finalize the loan. On XX/XX/XXXX XXXX called and told me my payment would be too high and gave me a womens name at a mortgage company. Her name was XXXX XXXX from XXXX XXXX XXXX In XXXX. She assured me my loan with process and we would have a closing date soon. I never met the this women and her assistant took over my loan almost 10 days later they finally started my paperwork. I went to her office and spent 2 hours with my paperwork. My realtor would reach out to these women and no return phone calls and they basically told me they couldnt make my payment lower. I then went to another mortgage broker XXXX XXXX who advised me to go back to Bank of America and ask why I couldnt loan from them. I return to XXXX XXXX at XXXX XXXX and he starts my paperwork. He informs me that XXXX XXXX never submitted my home loan application. Finally I go back to Bank of America/call and XXXX calls to tell that Bank of America doesnt lend to my condo community in which I live. Ive spent 2 months on this loan applicant ion, reached out to Bank of America and they only respond with Im sorry, they have never offered me compensation for my time, money and stress that I went through to have them decline me of a loan. I have banked with B of A for many years. Im very disappointed in how this was handled. I went to another mortgage company and they were able to tell me within 15 minutes if they loan to my community. I would like to be compensated for my terrible experience with Bank of America In XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> This inquiries was conducted without proper authorization from me. As per the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ) ( 1 ) ( B ), hard inquiries must be based on a permissible purpose and require consumer consent. In this case, no such consent was provided, making these inquiries inaccurate and potentially damaging to the consumer 's creditworthiness. 

Enclosed with this letter are copies of the consumer 's credit reports from your bureau highlighting the disputed inquiries. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA guidelines. Please promptly remove the unauthorized hard inquiries listed above from my credit report maintained by your bureau. Upon completion of your investigation, I kindly request written confirmation of the removal of these inquires. 

Please ensure that all correspondence related to this dispute is handled in compliance with the FCRA, and that the investigation is completed within the statutory timeframe. 

Should you require any further information or documentation to process this dispute, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute. 

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

THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, XXXX AND TRANSUNION. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of XXXX children and I have finally graduated college and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

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

I have inaccurate information reporting on my credit reports. I filed dispute and it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My first dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Product: Checking or savings account

On XX/XX/XXXX, {$570.00} was taken out of my account by fraud. On XX/XX/XXXX, I filed a claim with Bank of America, only to be denied TWICE because a couple of the transactions were done by pin, totaling {$70.00}. That left the other {$500.00} unaccounted for, but nonetheless they urged me to re-open the case, knowing that they would keep denying it for the same reason. I lost my card twice during that time period, so those cards are still out there somewhere floating around. Also, if you actually pay attention to the charges, it's impossible that I did all of that in one day. There are charges on the same day that include a restaurant in FLORIDA, and a liquor store in VIRGINIA. When pointing this out to them, they agreed that it didn't make sense, but still didn't hesitate to deny my claim. They keep telling me to re-open the claim, but that's completely pointless considering I don't have any new information for them, and they will keep denying it in regardless of what I say because of the pin transaction. This has been going on since XXXX, and it has cause so many financial issues for me because of not being able to pay my bills on time, resulting in late fees. In hindsight I've lost way more than {$570.00} because of this long process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are accounts on my credit report that I do not have any knowledge of or authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute with this company several times regarding the same issue first being XX/XX/XXXX and again recently XX/XX/XXXX ( see included attachment for proof of dates ), I informed Equifax of my FTC report filed both on my own as well as through the CFPB. I also verbal and physically have written disputes about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.S. Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written disputes to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because its been over a year ago and I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or seek other means of mitigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.
Product: Debt collection

WAKEFIELD HAS BEEN HARASSING ME FOR 2 MONTHS NOW FOR THE COLLECTION THAT IS NOT MINE, AND FAILED TO VALIDATE OR PROVIDE DETAILS ON IT. I BELIEVE THAT THIS IS A SCAM BECAUSE I HAVE MONTHS RECEIVING LETTERS ABOUT THE AMOUNT I OWE AND EVERY MONTH THAT I GOT A NEW LETTER TEH BALANCE WAS ALWAYS DIFFERENT.. I GOT NUMEROUS AMOUNT OF LETTERS AND CALLS THEY STARTED FROM REDICULOUS AMOUNT AND KEEP DECREASING AS TIME WENT BY, AND I HEARD ON THE NEWS ABOUT THE COLLECTION LETTERS SCAMS ... ONCE IT CAME ON MY CREDIT REPORT IS WHEN I TOOK ACTION BECAUSE MY INSURANCE PAYED THE MEDICAL EXPENSES AND I ONLY PAYED WAS LESS THE AMOUNT OF XXXX DOLLS THAT I WAS DUE FROM.
Product: Credit reporting or other personal consumer reports

In XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( XXXX and Experian ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX  to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies have violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX XXXX ''. Identity theft report was given to all credit reporting agencies ( Experian, XXXX and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

XXXXne one address should be listed on my credit file : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.
Product: Credit card or prepaid card

Reference : XXXX We issued the captioned complaint against Chase who has engaged in a widespread practice to solicit credits cards, open credit card accounts, collect fees, then close the accounts without disclosing the reasons and keeping the fees. It is hard to understand why this is not a national level financial scam. I submitted one of  the many articles I found from around the country complaining about this. 

We issued the complaint. As far as we can tell, Chase did not respond meaningfully other than to say the account will remain closed and to not mention the fee. You responded by accepting Chase 's word without question and closing the complaint without discussing this with us. 

The fact remains that Chase has engaged in this financial scam on a national level and yet this agency has done nothing. As a minimum, Chase should : 1. Nationally announce it engaged in this deceptive practice.

2. Nationally announce it will no longer do so.

3. Unilaterally refund the fees to everyone it has collected from under this scam, plus interest and a 100 % inconvenience fee.

4. Pay triple damages to the US government to fund this consumer organization.

5. Not close this complaint until Chase has completed these requirements.
Product: Mortgage

On XX/XX/2020 PHH XXXX took over from XXXX XXXX  as the servicer of the Mortgage account. As the new servicer, PHH XXXX assumed the fiduciary duties associated with the Escrow that was established and transferred to PHH XXXX for the payment of taxes, homeowners insurance and FEMA-mandated Flood Insurance XXXX As of XX/XX/2020, PHH had notice of an existing Flood Insurance Policy. PHH allocated funds for payment for the renewal of the Flood insurance premium, but never submitted the payment. Without homeowner 's knowledge, PHH permitted the flood insurance policy to lapst. PHH retroactively purchased a Flood Insurance Policy with homeowner 's escrow funds, and raised homeowners monthly mortgage premiums by a total of {$1200.00}, even though the Homeowners found out about lack in coverage, and purchased a new flood policy. The escrow had sufficient funds to continue with payment for the flood insurance without interruption. PHH had a duty to allocate and disburse the funds as mandatory escrow holder on behalf of homeowners. PHH failed to do so and charged the homeowners additional fees and costs at a time when everyone was struggling with the Covid-19 pandemic.