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

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Checking or savings account

I initiated a domestic wire transfer 2 times this morning. They called me and I provided all the information. I am not happy that they repeatedly block my wire transactions. Next one I initiated, went thru " with a supervisor and then again they rejected the same. 

Have sent money to this recipient in the past many times. This is not the first time either. 

This time they locked the account and rejected the wire transfer again. Again I had to call and go thru " detailed verification to restore access to my account. Now, I have to wait for an hour to set up the wire transfer again and go thru " the long security check up again. 

There is not surety that this will go through. This has happened in the past and I lost an opportunity where I could have made significant gains. 

They act like we are children that don't know what we are doing. This needs to stop. I am calling an attorney to initiate action against bank to recoup my losses. 

Bank can not be looking at their profits only, lock up my money, excessive security controls and then act big. 

When calling them to get the transactions through, they treat us like we are criminals and they have right to treat us any way they wish. This disgusting behavior needs to be stopped. 

Please note this is a repeated complaint to CFPB about the similar issue in the past.
Product: Debt collection

Hello, Please find the attached case, we have been victims for a business who takes advantage of contractors, have the job done and dispute the payments that was made according to the contract. Without proposing any clear reason, using the power of their attorney who used humiliation and threat as tools under the law to pretest there illegal act. 

We are desperate, American Express stood up for their customer and solved the dispute to their benefit. 

Attached is the detailed case, we filed a lien against the property, we need your help warning contractors from being used like we were. 

XXXX XXXX XXXX  XXXX % XXXX % XXXX % XXXX % XXXX You can mention my name,. XXXX XXXX, owner of XXXX XXXX. I can provide any extra proves required and speak to the media and public if required
Product: Mortgage

On XX/XX/2024 XXXX and XXXX, I placed two calls to New American Funding to cancel my loan application. I had kindly asked to speak the loan officer I was working with, XXXX XXXX but was told by the person, assuming XXXX XXXX who answered she was not available and was reassured that my application will be cancelled. I even called back the same day, to confirm with different woman that my application was terminated. I had emailed that same day as well to confirm that action was taken in place, but never received a follow up email. 

XX/XX/2024 @ XXXX, to my shock I see that a hard inquiry was pulled by New American Funding XXXX I immediately called the loan officer XXXX XXXX who informs me that she was not aware of that call or my application being closed, and that she is unable to reverse/undo what she has already done. 

I had called all XXXX who said that New American Funding will need to contact all Credit agencies and submit a mistake was made. I wish them to do the right thing and am reaching out for any help on this matter.
Product: Debt collection

Hello, I received on my credit report an unpaid notice for {$26.00} from the cable company XXXX XXXX XXXX XXXX XXXX that hurt my credit score by XXXX points and impacted my process with the Lender in obtaining a mortgage over such a small amount. The unpaid notice was then sent to a debt collection agency, CBE Group ( www.cbegroup.com ). I never received any urgent phone calls to resolve this issue. 

On XXXX/XXXX/2016, I contacted XXXX XXXX and paid off the unpaid bill notice. It should be noted that I paid off the amount, but XXXX XXXX was unable to inform me what the charge was for. I had closed a cable account and moved. All they did, supposedly was send a bill notice in the mail to my old address, which I never received. 

This bill was then sent to CBE Group ( debt collections agency ) for XXXX XXXX XXXX. On XXXX/XXXX/2016, I spoke with CBE Group to confirm the issue has been resolved and that they 're in the process of withdrawing the bill from my credit history. I informed CBE Group that they never called me, but was informed that CBE Group does make phone calls to inform customers of the unpaid bill, but DOES NOT LEAVE MESSAGES. If an issue like this can impact my credit history by 100+ points, I think it is very important that debt collection agencies leave a proper voicemail and provide every opportunity to have these issues be resolved before it is impacting a consumer 's credit history. 

thank you
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 XXXX XXXX - XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX - XX/XX/2023
Product: Mortgage

We are disputing Bank of America 's response to our inquiry via the Consumer Financial Protection Bureau under case # XXXX dated XXXX/XXXX/XXXX. The bank 's response of XXXX XXXX XXXX is not providing an explanation as to why the property was not included in the Department of Justice settlement with Bank of America. In the very least, the criteria for qualification should be explained as to rule out the possibility of an error. As previously stated, all other properties owned by us at the time qualified for the settlement. The representative handling the case advised that the bank would proceed to foreclose on the property unless we pay the outstanding amount. It was our understanding that the bank was not allow to collect from us as the property was surrendered under chapter XXXX bankruptcy in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed that some payments were being reported as late on my XXXX XXXX credit card. So, I immediately called my creditor and informed them of the matter. I even spoke with a higher up head person in charge at the time and was assured that they late payments being reported were false and that on their end everything on their system is showing as on time. Now I know I immediately called the credit reporting agencies and informed them of the matter. I requested that they investigate this matter properly and DELETE the late payments being reported or Update my account but rather than doing that they did nothing at all. They kept all the information the same and placed a marking on my profile as UPDATED. They clearly did not investigate the matter properly and decided to properly report false and inaccurate information on my consumer credit profile. 
I was also informed while on the phone with a representative that due to the COVID 19 pandemic for such period of time they do not report late payments on the consumer report so if there were any late payments being reported they are inaccurate and that they should not be reflecting on my consumer credit file.
Product: Mortgage

on XX/XX/XXXX  I submitted a XXXX request as well as a hardship letter attached. 

I called the servicer several times over the next several days and was told it was being reviewed. On XX/XX/XXXX I was notified by an agent that they needed the hardship letter re-sent to them. I immediately sent it by email. this was XX/XX/. 

I called them on XX/XX/XXXX  to make sure they received the hardship letter. They stated that they had it. 

They mailed me a letter on XX/XX/XXXX  that i received on XX/XX/XXXX  stating that I was missing the completed XXXX form. That is ridiculous. On XX/XX/XXXX  I uploaded the additional XXXX form they requested. 

On XX/XX/XXXX  they mailed out a letter stating that they received a complete XXXX request and that it would take up to 30 days to review. 

On XX/XX/XXXX  they sent out a decision letter stating that I was denied a XXXX review because they didn't receive the requested XXXX document. 

I sent this information several times. They denied my modification request without reviewing it, and refuse to open a new XXXX request because they have already reviewed it. 

They never reviewed it, or even asked for income documents. I deserve to at least have the opportunity to try to retain my home. Please contact them and make them provide me a proper XXXX review. 

When I call them by law they are supposed to have a designated relationship manager that is assigned to me. there is one listed on my letters but when I put in the listed extension I never get that person. I get a different one every time and they are not familiar with my file. And they all tell me different things. Not one until yesterday ever gave me the number of the dispute department. 

They should not refuse me aa XXXX review. Please help me. I am a XXXX veteran that was affected by covid. I went through divorce and was in a XXXX XXXX  accident and underwent XXXX  XXXX. I am finally able to get things on track and they wont help. if you need any additional information please contact me.
Product: Checking or savings account

I've opened an American Express Checking under a promotion that gave a XXXX MR ( membership rewards ) points for meeting the terms. The XXXX point bonus is taxable and equivalent to {$300.00} usd. The terms of the promotion were met and the bonus was posted to the account on XX/XX/2023. I was given the option on the account to combine the MR points on the checking account with my credit card account. I've contacted Amex customer service through chat to do so. The representative combined the accounts ; however, upon the completion, the XXXX MR points from my checking account had disappeared. The representative assured me that I should see the point balance updated in 24 to 48 hours. I've tried contacting Amex customer service multiple times to resolve this matter as the points still haven't been posted over 1 month later. The technical glitch is due to Amex internal systems, so it's not a problem that I should be dealing with. I have copies of chat logs with Amex representatives that I can provide on request.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account Account Number : XXXX Original Creditor : XXXX Balance : {$1800.00} Subject : Immediate Deletion Request Due to Inaccurate Reporting and Violations of Consumer Protection Laws Dear Jefferson Capital Systems, I am writing to formally dispute the validity and accuracy of the collection account referenced above, which is being reported to the credit bureaus by your company. This account contains errors and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692. As such, I demand the immediate deletion of this account from my credit file. 

Violations : Failure to Provide Validation : According to FDCPA 15 USC 1692g, debt collectors must provide verification of the debt upon request. I have not received any valid documentation proving this debt belongs to me, nor have I signed any agreements with your company. Failure to validate this debt within the legally mandated time frame is a violation of federal law. 

Inaccurate Reporting : Under FCRA 15 USC 1681i, any inaccurate or unverifiable information must be corrected or deleted from the consumers credit report. The reporting of this account as a valid debt without proper validation is a breach of this regulation, and I have the right to have it removed immediately. 

Violation of Privacy : Sharing my private information, such as my Social Security Number ( SSN ), without my explicit consent, and continuing to report this account on my credit report, constitutes a violation of my privacy rights. According to the Gramm-Leach-Bliley Act ( GLBA ), creditors must safeguard consumer information and ensure it is not misused. 

Deceptive Practices in Collection : Under FDCPA 15 USC 1692e, it is illegal for a debt collector to use deceptive means to collect a debt. Without proper validation, continuing to report and attempt collection on this debt is a deceptive act and a violation of federal law. 

Legal Demands : I request that this account be immediately removed from my credit report across all bureaus ( XXXX, XXXX, XXXX ) due to the above violations. 
I request that Jefferson Capital Systems cease any further collection attempts and communication regarding this debt, as required by law. 
I request written confirmation within 30 days that this account has been deleted from my credit report and that no further action will be taken. 
Failure to comply with this request may result in legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing claims for damages as allowed under federal law. 

Please treat this communication as my formal notice under FDCPA 15 USC 1692c, that I wish to have no further contact from your agency, except for written confirmation of the deletion. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have submitted two dispute letters one on XX/XX/XXXX and the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. On those disputes, I listed the following accounts and reasons for disputes ; The following account is not mine and has never belonged to me : XXXX XXXX XXXX Opened on XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following account is not mine and has never belonged to me : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Please remove it from my credit report. 

The following account is not mine and has never belonged to me : XXXX account Opened on XX/XX/XXXX and a balance of {$690.00}. 
Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Someone was able to open up a credit card account with XXXX XXXX on XX/XX/year>. I have a hard inquiry on my report so I contacted the bank the next day to dismiss and void the application as I did not apply for XXXX. So far XXXX the XXXX working in the fraud department, flagged the application and told me it will be investigated.
Product: Debt collection

I am not sure how this Happened but I was a ID theft victim and I have send paper work to the bureaus showing that and they still will not remove from my reports The debts do not belong to me XXXX/XXXX  Equifax {$910.00} XXXX XXXX {$630.00} Act # XXXX XXXX  XXXX XXXX XX/XX/2018
Product: Debt collection

I do not have an agreement with Jefferson Capital or any of its affilates. I have requested original signed agreement and have no knowledge of this account. 

In accordance with the Fair Credit Reporting act XXXX  Account Jefferson Capital SY, 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. This item needs to be removed from my credit profile.
Product: Checking or savings account

Opened an account at XXXX Bank on XX/XX/2022. After receiving email confirming that account was approved I transferred in XXXX from my accounts at external banks. 
Sent secure message re transfer limits and was assured by a supervisor " XXXX '' that the limit would be up to XXXX. Then I was asked to let XXXX access my computer, which I did and they tried several transfers, but they did not work. So I worry that fraud might be involved and URGENTLY need to speak with someone. 
Subsequently, after the transfers in had processed and showed up in my account as " available '' I received an email request to send a photo of myself holding my ID, which I did. ( XX/XX/2022 ) Then, immediately, I received another email warning that my account was restricted because they could not verity the info. I have been trying to call or reach someone at XXXX ever since but noone is willing to respond or connect me with a supervisor. Instead I received an email that my funds can not be transferred out, and will be held for 30 days. Having transferred the bulk of my family savings I urgently need to access some of the money to pay bills, including medical, and am ready to provide addtl info if they have problems identifying me, but they have ignored 10 messages, and several phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from XXXX XXXX and Transuinion, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Equifax obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Equifax says the furnisher of the information is the courthouse, that is a big fat lie. How can Equifax say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Equifax. I also have numerous address and names attached to my Equifax credit report that DO NOT belong to me.. I demand that these inaccuracies be deleted immediately or I will sue Equifax for each violation. I am tired of going back and forth with Eqifax about this and I am prepared to sue them.
Product: Money transfer, virtual currency, or money service

I transferred my portfolio from Robinhood to XXXX. During the process, Robinhood charged me {$75.00} transfer fee without notifying me. I asked them where the disclosure was and asked for a reimbursement. They pointed me to a FAQ page which didn't show up during the transfer process.
Product: Debt collection

This company reported the collection to the credit boreaus in XX/XX/2022, however they never sent me a letter to validate the debt. Since I realized I called them and said that I did not receive a letter to validate the debt which I do not know and I have no information, even so they did not send me anything. After contacting us by email they sent me the invoice with a fee which I ask that they explain to me and even so they do not do it and I ask again that they contact me only by email and even so they ignore my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report from XXXX and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XXXX and received my XXXX degree. Then I returned from XX/XX/XXXX XXXX and received my XXXX degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XXXX my 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no XXXX party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Transunion Credit Bureau. Despite sending them the last letter Therefore, Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report ans show incorrect information alleged listed. Account name AARGON AGNCY ( Original Creditor : XXXX XXXX ) and account number XXXX is alleged to show a hospital collection which is a direct viloation of HIPPA . I have not given any consent to review hospital or my personal information. I attempt to acocunt collector with no reply to confirm debt and I also reached out to credit bureaus with no reply which is over 60 days old and is a direct violation of FCRA and FDCPA. Also, this acccout is showing and open balance of {$1200.00}. Which I do know per FDCPA that a collection/charge off is to report a {$0.00} balance. Please delete this account.
Product: Money transfer, virtual currency, or money service

I have got multiple deposit to my cashapp account. Cash app has stole alot of my deposits and when I tryed to contact customer service no one replied and next thing I know my account is locked and I can no longer use the app