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

To whom it may concern, I am looking at my credit profile and there seems to be a lot of INACCURATE information i need removed off my equifax report as i never gave anyone authorization for any of the following inquires. I have no idea what they are talking about. All of the following is fraud. XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XX/XX/2023. I have tried to call some of these companies and they said it's best to talk to the credit agencies which is why I came here.
Product: Debt collection

Tuition Options, a subsidiary of XXXX XXXX XXXX XXXX, withdrew {$320.00} dollars in XXXX from my bank account for tuition to XXXX University. XXXX University closed officially in XXXX. I was no longer attending this school, as it had closed, and the private loan created for me seems to have disappeared from all records. XXXX XXXX XXXX XXXX is a nonprofit that had no background in education or private lending before 2017, and has now closed a school, leaving millions in debt and unsure of their future. My credits are worthless and even the website, https : //www.argosy.edu/closed-school-information does not explain any further recourse to recover monetary losses. It seems like XXXX closed, dumping its liabilities, and changed its name to XXXX University. This was robbery. 
I am owed not the {$320.00} from one month of robbery, but around {$3000.00} in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit card account was opened with a {$500.00} limit. Hadn't used it since I was only using it for the credit from its existence. On XX/XX/XXXXI went to increase the card 's limit to {$2500.00} ( Hard inquiry to XXXX ).

Within a month, I discovered all three credit bureaus were reporting that the credit account 's opening date was changed to the date of the credit increase. A huge no-no, considering this account is one of two ( Three including an auto lease, which expires later this year ) with the account in question being the oldest. I immediately contacted all three credit bureaus and started disputes with them to  correct this information. 

Experian and XXXX promptly confirmed the original opening date and corrected it within their credit reports. Although XXXX  seems to have reverted the correction in the very next report. I am unsure if Experian has adhered to their correction.

Now here 's the beef. When I went to file a dispute with XX/XX/XXXXon XX/XX/XXXX explicitly about the account 's opening date, they concluded on XX/XX/XXXX : " Verified the date of last payment. '' without correcting the necessary information. I opened another dispute on XX/XX/XXXX, making myself even clearer. Same response received XX/XX/XXXX. I nearly just made a third with bountiful supporting documentation, but it wouldn't let me attach any documents because of a few " Bugs ''. 

The bank is reporting the account 's information opening date to the credit bureaus correctly and continues to do so. XXXX, Experian, and XXXX  have received disputes from me regarding the matter. Experian and XXXX  seem to have corrected the issue, but I can not monitor the former 's consistency ; the latter has resumed reporting the incorrect opening date ; and XXXX   has " Verified '' irrelevant information after two separate disputes were filed.

I did some digging about XXXX  's troublesome process ( Or lack-there-of ) and PR quagmire, even stumbling onto a recent lawsuit regarding similar issues that I'm experiencing. Time to step my game up and get someone to light a fire under their pants, my credit is on the line. We're talking about a 60 point+ neutering that drop kicked me two brackets down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft, I have disputed with Transunion multiple times to remove accounts that were not opened by me. The following accounts still show in my report and are not removed 1 ) XXXX XXXX  Card Services 2 ) XXXX Department Store. I do not understand what more information I need to provide for them to close the accounts mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a collection account I demand these account be removed because they are importing in accurately across all three bureaus please remove all accounts that are not METRO 2 COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So Capitol One credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!! 

Is that fair?... I do not believe so... XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payments shown are not reflective of my typical payment history.
Product: Debt collection

Portfolio recovery services calls me multiple times a day claiming I owe XXXX dollars for a credit card opened in my name. I was a victim of identity theft. They call sometimes 5 times within 10 minutes from different numbers. I already informed them of the identity theft but they dont listen to me. They called me Sunday night at XXXX and have called before XXXX and after XXXX multiple times.
Product: Credit card

Dear Sir/Madam, I am writing to express my deep concern and disappointment regarding the letter i have received about recent closure of my business credit card, associated with my business " XXXX XXXX XXXX ''. As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. 

Since establishing my business in XXXX, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. 

I want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank provides me with a detailed explanation for the closure of my credit card and reconsider its decision. 

The closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. 

I kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

This is a continuation of my previous complaint # XXXX seeking to know the specific reason for Citibank closing my accounts and putting my name on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitted the complaint to Citibank and Citibank responded on XX/XX/year> to XXXX. I received a response from XXXX  on XX/XX/year> that included transactional and date information on the account from Citibank but that still omitted any reason for account closure. 
I called XXXX  which gave me phone numbers to contact Citibank for further information and I did so on XX/XX/year>. Citibank said that the account was no longer on their system. 
My problem with being on the XXXX  system continues however as other banks use this as a reason to decline my outgoing wires from real estate transactions in order to reinvest in liquid assets as I am of retirement age.
Product: Mortgage

My mortgage payment was on automatic payment. The escrow account was apparently short and an additional {$62.00} dollars needed to be added to our monthly payments. Because my mortgage is on autopay the original mortgage amount was paid without the additional {$62.00} I was unaware was owed at the time. The original mortgage amount was taken out of my bank account and put into an account called " unapplied funds '' on XX/XX/year>. I was not notified of this via phone until XX/XX/year> at which time I made the {$62.00} payment immediately via my bank account, bringing my account current. Despite this payment being made, Carrington Mortgage reported to the Credit Bureau that I was delinquent with payment. My credit score in turn went down XXXX points when I previously had a great credit score. Despite contacting Carrington Mortgage I was met with a condescending employee who did not want to help me or hear my concern. The second employee I spoke with in escalations expressed that they would dispute this with the credit bureau if they were me. I asked if someone from Carrington could reach out to them credit bureau on my behalf and was told that this would not happen. While I would understand reporting someone who is truly delinquent with a payment meaning they did not make any payment, I do not understand reporting someone who was short {$62.00} and was unaware but made the additional payment right away once notified. Carrington waited to report me to the credit bureau right after they received my {$62.00} payment making my account current. I am very disheartened as this is a big hit to my credit. I did not choose Carrington Mortgage as my lender, my mortgage was sold to them. I do not feel confident that I am in good hands, especially after researching Carrington, it appears many people have had similar issues to me. My credit score is now significantly impacted for years to come because Carrington does business this way, rather than contacting a customer prior to the 30 days, they wait and contact after so they can charge a late fee and report someone to the credit bureau.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts appear on my credit report this morning, and I can't understand why. When I checked my report as I regularly do, I noticed these unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts were still there. This is deeply concerning, and I urgently request a thorough review of the documents Ive provided so I can have peace of mind.
Product: Checking or savings account

I opened a US Bank XXXX XXXX checking account XXXX on XX/XX/2024. I deposited more than {$25000.00} within 30 days of account opening and had maintained the fund. However, some time in XXXX, US bank closed my account without my consent. Since then I have not received my funds ( {$25000.00} ) that were remaining in the account when it was closed. When the company sent to me a letter in XXXX notifying me that the account was closed, they wrote in the letter that they would return the funds to me within 15 day. They did not return the funds. When I called US bank late XXXX, the rep told me that the cashier check was sent to me on XX/XX/2024 to return the funds to me. I have never received such a check. Thus I submitted a CFPB complaint XXXX. I their response, they wrote that At the time of closure, your account ending in XXXX had a remaining balance of {$25000.00}, which we were unable to verify and as such, the funds were withheld. We are in the process of returning these funds to the originating financial institution. This is a bank-to-bank process, which often can take months to complete. The funds will not be returned to you. However, I have a bank statement of my linked external bank ( XXXXXXXX XXXX XXXX that I used to transfer the funds of ~ {$25000.00} into my US Bank account ending in XXXX mentioned above. As in the attached bank statement, the transaction to transfer {$25000.00} from my XXXX bank account to the US bank account was done on XX/XX/2024. That linked external account is my account under my own name and my home address, which are the same as that were used for the US bank account XXXX. I dont understand why US bank claims that they were unable to verify the funds {$25000.00} that were in my account XXXX. Here, I attached the bank statement as well as photocopies of my photo ID ( driver license ) and a photo of myself holdng the driver license. I want my {$25000.00} funds back to me as soon as possible. If they can not return to me directly as a paper check, they should return to my XXXXXXXX XXXX account that I used to transfer the funds into.
Product: Mortgage

My husband and I paid for an Inspection in our home. It was for an FHA loan. Everything was good then they told us they could not complete our loan Untill XXXX due to and FHA rule we called HUD and found out they were doing it wrong so we took our business else where. They never logged out inspection and the cancelled it so the other company could not use it.
Product: Mortgage

We have an FHA mortgage. We had refinanced with FHA streamline ( XX/XX/XXXX ) and our first payment was XX/XX/XXXX. Our Principal Balance was {$390000.00} ( monthly payment of XXXX ). We entered into Forbearance due to job loss/salary loss from Covid in XXXX of XXXX. We were on forbearance for one year. We exited the program in XXXX of XXXX and qualified for the Standalone Partial Claim to the amount of XXXX. we have been making out payments of XXXX ( the new amount after the SPC ) We are currently attempting to refinance said FHA product and enter into a conventional mortgage vehicle. We were contacted by our mortgage broker that our credit reports have the mortgage as " Under Loan Modification other than government program '' which has propted several of our CC isuers to lower creditlimits and increase interest rates. We contacted Amerihome on XXXX and have yet to have this corrected being told ... '' they are all reported this way ''. That being said when we recieved the payoff letters we were startled to see that the mortgage requies a payoff satsifaction amount of {$380000.00} and the stand alone partial claim has a payoff of the aforementioned {$37000.00}. This total is {$29000.00} more than the original loan amount. When I reached out to Amerihome on XX/XX/XXXX I was promptly given the runaround and over the course of a dozen calls with 9 hang ups and a 3.5 hour hold which I gave up on. No one could explain where this additional XXXX comes from or where we agreed to pay said amount when entering/exiting forbearance. I was supplied with a payment breakdown for the XX/XX/XXXX payments which brought us current but no answer as to how this additional sum has come into existence.
Product: Debt collection

XXXX installed my cable services on XXXX XXXX, 2015. Initially they were suppose to install service on an earlier date, however no one showed up for the installation even though I was expecting someone to arrive. Due to this initial issue, my installation fees were waived and rescheduled for XXXX XXXX, XXXX. After having XXXX service, I was not satisfied so I called to cancel within the 30 day quarentee. When I called on XXXX XXXX, 2015, a XXXX representative told me the system was down and they would make sure it was entered when the system was up and running. XXXX has record of this cancellation call and all of the above information. Someone however did not enter in my call to cancel until after the 30 days and this is where the charges are coming from. I returned all equipment and did everything I was suppose to do, however this is an ongoing issue for 2 years now. I have spoken with numerous representatives that have told me that I do not owe any money. I feel like I am being bullied by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have Equifax remove a consumer dispute from my bankruptcy for over a month now. 
Every time I call they tell me they have taken care of it. 
It is currently still on my report. 
I've been trying to refinance my house for over a month and this is the only thing holding my loan up. 
Now this has cost me money. 
They keep telling me it's resolved, but even today it is not. 
The dispute is still there and I can not close my loan. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX I disputed a BK ( bankruptcy ) that has been discharged since XX/XX/2009. I disputed with TransUnion. I also called the courts, which is The Bankruptcy Courts Of Mississippi, located in XXXX, Ms . The courts stated that they do not share information with the credit bureau. They also stated that they have no record of contact with TransUnion. I'm writing this complaint to the CFPB to have TransUnion remove the BK ( bankruptcy information from my credit file.
Product: Payday loan, title loan, or personal loan

Re : One Main Financial Group abusing personal information, business license One Main Financial has been sending me aggressive high interest personal product information via post for last 5 months despite that I have requested 5 times via phone call and 2 times via email, to stop sending me any marketing or their product and service related materials for last 4 month.

I do not know how they got my personal information. I would like to investigate their obnoxious business practice and abuse of personal privacy and personal information, ASAP.

I have requested to stop sending me all aggressive high interest loan marketing and all other marketing materials to its staffs at XXXX XXXX and the XXXX Regional Manager. 
Then, they explained to me that they do not know how to help me opt-out of their mailing list. They only told me that they will try to see what they can do. Speechless ... .. 

Also, I can not verify if they are appropriately lincnesed for their business practice in Hawaii. From their website I can only see the following information : CA : OneMain Financial Group, LLC - Loans made or arranged pursuant to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX. CT : OneMain Consumer Loan , Inc. - NMLS # XXXX. NH : OneMain Financial Group, LLC XXXX # XXXX. PA : OneMain Financial Group, LLC Licensed by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

For residents of the State of Washington only : OneMain Financial Group, LLC Consumer Loan Company License NMLS # XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX 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 XXXXXXXX, 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 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 seven 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: Money transfer, virtual currency, or money service

I'm writing this to formally express my concerns regarding zelle 's handling of disputes, meaning the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my bank and zelle failed to investigate my claims properly. However, the informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that zelle has not only neglected to protect consumers ( myself ) nt has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises alot of concerns about the consumer safety.
Product: Credit reporting or other personal consumer reports

My information was exposed and compromised via a credit reporting data breach. I am a victim of identity theft.

I reached out to these companies several times along with the three credit bureaus, but have yet to receive a response.

Due to 15 U.S. Code 1681 ( i ), the credit bureaus have not properly conducted investigations and or remove any of the inaccuracies reflected on my reports.