23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be remove and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX Balance {$10000.00}
Product: Money transfer, virtual currency, or money service

Today on XX/XX/24, I was supposed to close on a house. I transferred money over to one account two days ago so I would have the settlement statement amount available in one account ( cash settlement, with no financing ). 

Today, when I went to wire the money to the title company, I discovered that there was a {$500000.00} limit per wire transfer. I called a bank branch, Truist, to ascertain whether such limit applied to wire transfers initiated in the bank branch. They said it did not. 

So I went into my local Truist Bank branch at XXXX XXXX XXXX XXXX XXXX, Texas XXXX . I was told that the only person that do a wire transfer was the XXXX XXXX XXXX XXXX XXXX, and that he was with another client for the next hour. I explained that this was for the purchase of a home on the XXXX XXXX and I did not feel comfortable waiting an hour for him to initiate the transfer, given the time consideratons. I was told I should go to another branch. 

So that is what I did the closest branch on the way to my kids ' school for pick-up, at XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX I was told that only the branch manager could authorize the wire transfer and he was gone for the day. 

I then tried to withdraw the funds from my bank account for cash or a cashier 's check, and I was told that the " system was down '' and I was welcome to wait, but that regardless, they would close at XXXX XXXX. 

So I waited for about 20 minutes and asked repeatedly about what the status of the sysem reboot was and I was given conflicting messages. It became clear to me that there was no real expectation that the system would become available and I would be able to access my accounts before the bank closed, as the cashiers began counting their money in their tills. 

I left at XXXX when I was asked to leave. To be clear, I was unable to access monies that had been deposited in my account for several days, after trying 4 different ways to withdraw them- online, 2 wire transfers at 2 different bank branches and the through a cash withdrawal with the teller. 

It may have cost me our dream home. 

This is unacceptable and if the government doesn't regulate banks, then they will keep on taking advantage of customers because there are no consequences for them. I would have thought that having $ XXXX parked in cash in an account that does not pay interest would be sufficient motivation to provide the basic level of service, but apparently that is not the world we live in anymore. 

Please do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update for : XXXX. 

Received a final reminder before my access expires. As previously stated in XXXX I do not have access to my Equifax credit-report. Therefore, keep this and all accesses available to me so I can view after this problem has been resolved. 

Attachments : 1 ) Equifax reminder email 2 ) Screen-print of the Equifax website error-message.
Product: Debt collection

Good Morning, I have repeatedly requested my creditor Ally Financial not to contact the certain phone numbers. I provided the phone numbers that I did not want them to contact. Upon speaking with the representative they advised the numbers were marked do not call, and removed from their system. I have made this phone call on at least 4 separate occasions if not more. The last time I had this conversation with them was approximately 2 weeks ago, I requested a manager give a call to me to discuss. I haven't heard back from anyone. I also submitted an email to try to resolve-I have received no response via email.

If a customer requests that a number not be called, and it still happens that is a violation of the. I don't know how to make them stop. It has been embarrassing because they are calling people who they should not. 

I don't think a creditor has unlimited rights to harass you to collect a debt. 
and the sad thing is I have been in constant communication with the creditor, there is no need to call someone else to reach me. I consider it a form of harassment Please contact me at XXXX to discuss further.
Product: Credit reporting, credit repair services, or other personal consumer reports

in May of XXXX I mailed Transunion and XXXX XXXX dispute letters for negative information that is mixed into my XXXX XXXX XXXX because two accounts were illegally combined into XXXX and left as negative. At one point my account was purchased by XXXX XXXX and I am devastated to find the old account information form XXXX XXXX appearing on account XXXX XXXX XXXX Mortgage # XXXX. I have asked the bureau displaying this mixed information to delete the account all together because even though they have attempted to change and fix the reporting their attempts have not removed the old information that is damaging and was tagged on to my account. I don't m ind at all if it is deleted all together because the inaccuracies start on XX/XX/XXXX and end at XX/XX/XXXX. This was a government transferred loan due to fraudulent activity by XXXX XXXX and the transfer was supposed to fix this issue and help the delinquencies drop off. The account was deliberately sent to a negative status to allow that transfer. 

I pulled my XXXX and I have attached it here to show you how confusing and wrong the readings are. from XXXX it is showing as 120 late repeatedly and then for some reason in XX/XX/XXXX it is showing as 30 days late and then it is X until XX/XX/XXXX then thereafter it is OK. This is all wrong so please delete this account all together so I am done with this nightmare. This is not fair to me because this loan was transferred 3 times and XXXX XXXX is not able to modify anything claiming the account is closed and accurate but it is clear no one is following up. I have been transferred throughout 3 difference finance companies who have had their hands in this account and I am getting now where. 

I dont understand why Transunion has dubbed my last dispute a " Duplicate '' when they have not properly followed up with me and I am not sending any duplicates because I have written them asking why this account is negative when it is not. I has put an incorrect email before and I have no access to their response. 

Please assist me here. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Commerce Bank was the subject of identity theft and fraud. Commerce Bank continues to report invalid and inaccurate information to XXXX. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and Commerce Bank has failed to comply. 

Commerce Bank has also repeatedly failed to send account statements as requested many times.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are both showing XXXX late payments on my mortgage for XXXX and XX/XX/year> when I was on a forbearance agreement with XXXX XXXX. I have requested information regarding these late fees and have requested that they remove them if they couldn't provide the appropriate information.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit in the amount of {$5300.00} from my employer on XX/XX/year>. This incident has also caused me to be unable to pay other institutions, which will likely result in fees and other negative consequences. 

Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Mortgage

I have made several attempts to call XXXX XXXX loans to discuss an error in their computing of my monthly payments. Instead of applying my payments to my monthy mortgage dues, they are applying my payments to the " principal '' and sending me late fees notices and non-payment letters. I have all payments on auto-pay and therefore there shouldn't be a problem at all. The agent yesterday simply hung up on me because is was too difficult to manage.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Credit Report, I noticed that there are accounts that are completely unknown to me. As I further researched my Credit Report, I realized that these accounts are fraudulently reporting on my Credit File. Right now, Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX, IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}. I have read that that under the FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I am a victim of identity fraud, I never opened a credit card with capital one. I recently have been looking at my credit report, and I've tried contacting capital one multiple times stating this account was opened fraudulently in my name. This account was opened XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that there were multiple fraudulent credit card accounts opened under my name. I've called the credit card companies and was told there's nothing they can do unless I file an identity theft report. I would like these accounts deleted and removed from my account immediately. 

The credit card accounts are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I`am writing to express my concerns regarding zelle`s handling disputes. Particularly in light of the recent CFPD 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 covering lost fees was impossible and that tracking these transactions was unfeasible. The CFPD`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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  closed out my checking account because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report XXXX temporary credit my checking account I was bale to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence XXXX XXXX  still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX  XXXX as sent NEGATIVE INFORMATION OF FRAUD to XXXX XXXX and until this is corrected they will not do business with me I have attached all the evidence after reaching out to XXXX they ruled to stand by XXXX XXXX and found no error. Please Help ME rectify this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was involved in various data breaches, XXXX Data Breach, XXXX Data Breach, and Experian Data Breach. I have a number of unauthorized, inaccurate, and imcomplete accounts on my credit report that are hurting my reputation with the banking system. I am looking to get a mortgage very soon and these unauthorized and inaccurate accounts are hurting my chances. I did not consent to any of the unauthorized accounts or inquiries. This is unfair and inaccurate reporting that must be fixed immediately. I demand that you remove all inaccurate accounts immediately. Ive mailed in disputes more than a month ago and I still havent been responded too by the XXXX Experian or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ar XXXXXXXX XXXX  I reached out to Nelnet after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history Nelnet sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 days,XX/XX/XXXX120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) Nelnet reported me late. I called Nelnet back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from Nelnet with my request. The credit bureaus refused to correct the file giving the reason Nelnet is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact Nelnet. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to Nelnet ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX Nelnet replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from XXXX ( via mail ) on XX/XX/XXXX stating Nelnet verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from Nelnet. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.
Product: Credit card or prepaid card

I have a Chase Sapphire Reserve credit card through Chase bank and they charged me an incorrect Cash Advance fee as well as transaction fee for a purchase through XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX of 2023 under the account number XXXX with a balance of {$25000.00} This account has resulted in several fraudulent hard inquiries 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 account or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I called this company and the lady that worked there stated we don't care if you owe it or not, I be on your XXXX until you pay it. My ex wife 's new Boyfriend has a ID in my name and is going to Hospital 's trying to get XXXX in my name. I filed a police report and filed a complaint against this collection company and hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is AGAIN, following it's racist status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX to XX/XX/XXXX 3 months still in existence, and XXXX XXXX   having sold the loan per the attached XX/XX/XXXX letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of XXXX XXXX status quo systemic institutional racist business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.