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

XXXX XXXX XXXX is attempting to collect for a security system, I cancelled the service with the company and then they sold their business and the new company started collecting on my closed account even though their was no service on the home.
Product: Credit reporting

I need all XXXX I was able to get XXXX. 
XXXX and Equifax will not provide they have erroneous inform in my DOB. 
You can not call XXXX no customer service. 
I am extremely low income and am in process of procuring ligale help to file bankruptcy I NEED HELP URGENTLY TO GET CREDIT REPORTS NOW BEFORE MY TIME RUNS OUT FOR LEGAL ASSISTANCE. PLEASE ADVISE.
Product: Checking or savings account

On XX/XX/XXXX, at XXXX XXXX I received a notice on my phone that my chime savings was ready to open again. 
I tried to access my account and could not access the account. I called the customer service phone number for chime. I was told there is an account associated with my phone number. Then was told my account was closed. The recorded message said if I had any questions to email XXXX I emailed support and the reply was automated. Then I got another reply on XX/XX/XXXX that my account was closed due to a deposit agreement with Chime. They sent me a link to read over and I did not violate any agreement. 
XX/XX/XXXX I received an email they needed more documentation on my identity. I sent the supporting documentation. 
I was told that " Unfortunately for security reasons, we are not able to disclose further information on the closing of your account '' XXXX XXXX from the escalations team sent that )
Product: Checking or savings account

I am not happy with Mechanics Bank. I tried to use my debit card at XXXX gas station in XXXX, CA on XX/XX/XXXX. It kept saying declined. I finally got authorization, only for there to be a permanent hold placed on my card. I went to two other locations to fill up my other car. There was still a hold. I spoke to customer service on XX/XX/XXXX. They were very rude. Talked over me and wouldn't let me get a word in. I also was told the fraud department called and text me. I show no record of their attempt to call or text. I asked to speak to a supervisor. The supervisor XXXX has not made any attempt to call me back to give an answer on why I was never contacted. That is why I am writing on here. If I have to, I will just give my business to my other bank and shut Mechanics out. You can't give an answer on your poor service but you can hurry up and respond when you want to charge XXXX for overdraft and charge service fees. I was told I would get a call back in 30 minutes from a XXXX. Thirty minutes has turned into 1 hour.  Bottom line is they don't want to deal with me.
Product: Checking or savings account

I've been a member of both Navy Federal Credit Union and XXXX since or before XXXX and have been charged numerous overdraft/NSF fees due to XXXX XXXX deposits not positing immediately. I would XXXXXXXX XXXX XXXX XXXX money from another one of my accounts the companies would post the deposit by the end of the business day allowing other transactions to post before the deposit on the same business day causing fees. I've asked about the weird unethical business practice and was told there were no posting errors. I've also watched debit card transactions go through whenever I did not have the funds in my account without authorization. I believe these companies have taken advantage of me and several other consumers and should be investigated and fees refunded!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX, Equifax and XXXX in reference to an account on my credit report that has inaccurate information. All three credit bureaus has stated that the information is accurate. 

The account in reference is : XXXX XXXX XXXX IN account # XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general - If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

Account history Account Account number XXXX .... 

XXXX XXXX OK XXXX OK  XXXX XXXX OK XXXX OK XXXX OK XX/XX/XXXX XXXX OK XXXX OK 30 days past due as of XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$11000.00} / XX/XX/XXXX / {$460.00} / No data XX/XX/XXXX : {$10000.00} / XX/XX/XXXX / {$460.00} / {$920.00} XX/XX/XXXX : {$11000.00} / XX/XX/XXXX / {$460.00} / {$450.00} XX/XX/XXXX : {$11000.00} / XX/XX/XXXX / {$460.00} / {$940.00} XX/XX/XXXX : {$12000.00} / No data/ {$460.00} / No data XX/XX/XXXX : {$12000.00} / No data/ {$460.00} / No data XX/XX/XXXX : {$11000.00} / No data/ {$460.00} / No data The original amount of this account was {$11000.00} There's a balance history with no data reported for XXXX, XXXX, or XXXX but the account is showing 30 days late. I was never late. 
When I contacted the company they were having issues with their system. 
I also have requested to OptOut of any transactional history with this company to all credit reporting agencies. 
The information is inaccurate and incomplete.
Product: Debt collection

XX/XX/2019 Sequium added {$520.00} to my credit report as collections. I did not pay and cancelled service because the service was horrible. Not what was promised at all. This is XXXX XXXX. The service was constantly going out and getting it repaired was awful. I had no TV much more than I had the service. I was on the phone with them all the time and it was not right from the beginning. I was mailed the wrong parts from the company to install and this just went on and on. It got to the point that I had to get XXXX to watch TV and I was still paying for XXXX XXXX! I called XXXX XXXX to cancel and I mailed them back all their parts. After that, they still wanted to charge me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I'm still in shock about why these inaccurate accounts are still showing up on my credit report so please check the documents I've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom it may concern, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : EQUIFAX Made by : XXXX XXXX Made on : XXXX XXXX XXXX Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Thank you!
Product: Mortgage

I have to pay a ballon payment on my 2nd mortgage. The mortgage company is Specialized Loan Servicing. The ballon payment was due in XXXXI contacted SLS XX/XX/XXXX to have them send me a payoff quote. When I inquired about the status of the payoff, they told me it was never mailed. I have attempted to order the payoff many times since, and still have yet to receive it. When I call SLS they tell me it will be mailed, and it will be e-mailed to me in one business day. I have a conditional loan approved from my personal bank to pay the ballon payment off, but they need the payoff quote. I also can take money from my 401K, but they also need this document. SLS has threatened to forclose, but they will not send me the document I need to pay them off.
Product: Credit card or prepaid card

On Friday XX/XX/2022 I made a payment to my CapitalOne Quicksilver card and my CapitalOne Platinum card. I normally do not pay off my balances but this time I had received a bonus from my employer and I am trying to improve my credit score by paying all credit cards off and using 1 card to receive cash back. Normally my balance is reflected immediately following a payment because I use my CapitalOne checking account to pay these cards. A few days later ( Tuesday XX/XX/2022 ) I called to find out why the balances showed as XXXX but the available credit also showed as XXXX. I spoke with 3 different representatives ( increasing in management ) and all of them stated that on occasion ( no real rhyme or reason ) their system will put a hold on a payment. First of all, I have never heard of a financial institution putting a hold on a payment ( and I work as a Sr. Compliance Officer in a financial institution ). Secondly, the payment came from their bank!! I pay my cards from a CapitalOne 360 Checking account. The funds arrived there by ACH ( not a check ) and they said they needed to verify that the funds were there? They stated that the hold is for 7 days and my balances will be available on the XXXX. I find this to be a XXXX  violation as I can normally use the Quicksilver Card to gain cash back on my purchases of which I planned on using this card for not only a vacation ( birthday on XX/XX/XXXX and XXXX  day on the XXXX ) but also some home improvements ( this represents a financial loss to me ). Also, the representative told me that if this were an emergency they would try to work something out for me.. Why would it have to be an emergency? It should be just good old fashioned customer service. Apparently I am not important enough to them. Please feel free to reach out to me. I will be filing a formal complaint through their CEO 's email as well. I will be removing all of my accounts from CapitalOne as soon as possible. This will also cause me financial harm as closing credit cards will have a negative impact on my credit score.
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 failed to investigate my claims adequately. They informed me that recovering funds was impossible and tracking these transactions was infeasible. The CFPB 's findings indicate that they had not only neglected to protect consumers, but also allowed repeat offender to exploit the system, leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam via Venmo XX/XX/XXXX. The scammer was staff member working for a XXXX XXXX XXXX posed as a customer service representative from my bank XXXX XXXX XXXX XXXX and a confirmed XXXX XXXX  number stating there was issues with my online account. The staff person stated XXXX needed access to Venmo to correct the issue. Once I realized it was scam I immediately ended the call and contacted Venmo and my bank to alert of the scam that evening XX/XX/XXXX. 

My bank helped me close all my accounts stop the money being sent to scammer and reopen all new accounts. I removed all bank information from Venmo and opened a dispute with Venmo. I relayed all the above to Venmo they only dediced I should contact the scammer and " scammer '' to get my money back. I explained again she doesn't exist and they said I owe Venmo {$1000.00} even if the bank stopped the payment. They refuse to deactivate my account. Also, I had a friend accidentally forget and pay me on Venmo since I cant deactivate my account and they refuse to give it back. Venmo has also sent this false bill to collections and has been threatening to ruin my credit. They will not provide a collection let in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card is showing that I was 30 days late but that is inaccurate. I was 18 days late and 10 days late the other time both are under 30 days and are being reported inaccurately.
Product: Credit card or prepaid card

After filinfg an inital dispute because of a scam that took place concerning the Serve American Express card that I purchased, the company replied back saying they can not refund any money becasue the card is not registered. My complaint is, I have tried numerous times to register the card. Even the day of the scam, I tried to register the card, but I recieved the following message. " Oops! We, this is akward. Please try again later. '' a week later, I am recieveing the same message. " Oops! We, this is akward. Please try again later. '' The company will not refund my {$450.00} because I have not registered the card. However, when I try to register the card, the system is telling me there is a problem and try again later. I even called the number to speak to a representative. The repesentitive told me that she could put in the fraud request for me and asked me to go on line to XXXX and place the fraud there. Please resolve this. I think this company is a scan.
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. Account name : Account name : XXXX XXXX account # XXXX 15 u.s.c 1681 SECTION 602 a. States i have a right to privacy XXXX U.S.C 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

My vehicle XXXX XXXX XXXX XXXX lease was ending towards the end of XX/XX/XXXX. I wished to purchase it from Mercedes Benz Financial services and on XXXX I made the online payment of the entire amount due of XXXX after adjusting the {$6000.00} of security deposit held with them. thats a total of XXXX towards the car, sales tax on it and a couple of charges for documentation etc. I A couple of weeks later I called in to check on the status and a customer service rep said it will take a few more days. 

Then I called in another 2 weeks or so and was told on XXXX XXXX ( after being routed through several departments that the Original Title documents had some issue and they had to apply for a duplicate. 

After 2 to 3 weeks I called to get the status and was told that the duplicate was applied for on XXXX XXXX. ( AFTER 10 further days of delay ). A supervisor ( XXXX  ) told me that he will give me an update on the status on a weekly basis. But never called me back to update. 

Today XXXX XX/XX/XXXX I called again and demanded to speak with a supervisor or a XXXX and after close to XXXX minutes of holding was told that there are no supervisors to speak and said they can only arrange for a call back. 

After paying for the total cost of my car, I am yet to see the title of the car after 10 weeks. And no update from the company whatsoever.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was reported onto my credit report in XX/XX/2022 with an incorrect date of XXXX  delinquency and expired statue limitations. XXXX XXXX has violated my rights under FCRA Section 623 ( 5 ) ( A ) and re-aged my debt and it needs to be erased immediately from TransUnion credit report. Ive disputed the XXXX funding account on all XXXX  bureaus. Unfortunately, TransUnion is the only bureau who wont remove this incorrect information. I request that resurgent deletes this account immediately from my TransUnion credit report. It is illegal to report re-aging debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two CFPB complaints thus far for this issue both times Mr. Cooper thinks they have explained away the problem. I will now be attaching THEIR response stating THEIR records show me as paid in full and not late in XXXX. I will also be attaching a screen shot of my credit report where THEY reported me as 30 days late that month. 

If they have admitted that I was paid in full that month, why did they report me as 30 days late? If they made that mistake, isn't it possible they could have made the other, like I continue to say. I would like a letter of deletion for the month on XX/XX/2017 that they have now admitted in writing is an error on their part. I will continue to file complaints and have hired an attorney because companies shouldn't be able to treat XXXX XXXX   XXXX recipient veterans this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS AND INQUIRIES WERE NOT INQUIRED BY ME. 
1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.
Product: Credit reporting or other personal consumer reports

Equifax changed the name on my account from XXXX XXXX XXXX to XXXX XXXX XXXX, V without my permission such that they now have an incorrect name. 

Equifax is subsequently reporting fraud to creditors who pull my report due to their error in updating my account with erroneous information. Equifax is refusing to correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section  611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '  that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

I am currently unemployed, last pay check was XX/XX/21. I filed for unemployment, received my PIN to make claims. Filed first claim XX/XX/21 and received confirmation that it was being processed. Filed my second week claim on XX/XX/21, received confirmation that it was being processed. I have yet to receive any unemployment funds to my Bank of America account. I had multiple overdraft charges hit my checking account ending in XXXX. The first call to Bank of America was XXXX XX/XX/XXXX. They would not refund all overdrafts despite that Im unemployed and havent received my benefits. I was on that call for 57 minutes. That call was made at XXXX. The final Supervisor that I spoke to was XXXX. I have had overdrafts in the past and at no point did anyone tell me about Safe Balance Checking that charges a {$5.00} fee each month so I went ahead and switched over to that while on the call. Another overdraft fee hit my account. So I still have two fees totaling {$70.00} that have not been refunded. I just called Bank of America again today, Friday XX/XX/XXXX at XXXX, located in Arkansas . The second Supervisor I spoke to, XXXX, lied to me and kept giving me the run-around. She stated she was the highest manager there. I had to keep asking who she reports directly to. FINALLY, she said XXXX. I asked to hold for XXXX and XXXX stated that XXXX wasnt available. I said I would hold for as long as it takes. She stated XXXX doesnt speak to customers. I said I would hold for her. She ( XXXX ), then said that she can get XXXX to call me back as shes assisting other customers. I said I didnt think she spoke to other customers and she said she speaks to Clients ... I said I would continue to wait. I kept holding. XXXX said she would let me speak to XXXX, another Supervisor but not her peer. I said I would continue to hold for XXXX. She transferred me to XXXX even though I wanted and continued to hold for XXXX. She finally put XXXX on even though I wanted to hold for XXXX. XXXX said he couldnt assist me any further and WOULD NOT LET ME HOLD for XXXX and that he would disconnect the call. I said Im staying on until I speak to XXXX no matter how long it takes and XXXX disconnected the call. That call lasted for 1 hour and 18 minutes. Mostly on hold. I want the {$70.00} in fees returned to my checking and then Im taking my business elsewhere. Im not going to deal with a financial institution that deals in lies and deceit.
Product: Credit reporting or other personal consumer reports

PLease delete and remove information I did not authorize any of these inquiries. someone is using my name improperly and opening up accounts. 
Inquires : XXXX XXXX XXXX inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward for the correction of the following items : 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 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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

They closed my account and would not provide any information as to why. To my knowledge I did nothing that was out of the ordinary. Im sorry, I was just a young XXXX kid trying to build his credit.