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

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Navy Federal is reporting inaccurate information on my credit report ; which is a violation of the Fair Credit Reporting Act ( FCRA ). 

My XXXX and XXXX credit report both shows a payment history, while there is no payment history being reported on XXXX credit report. 

XXXX and XXXX have year 2021 dates inaccurate XXXX, XXXX, and XXXX on the XXXX reports is show 30 days late and XXXX, XXXX, XXXX on the XXXX report. 

Each credit report has different accounts numbers and last activity dates
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a real person upset about the findings of my credit report information. And after checking my credit score to buy a home I have seen some information on my account that wasn't accurate. This is a big violation of my rights to privacy. 

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 XXXX XXXX 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: Mortgage

I recieved a preapproval letter for XXXX, FHA in XX/XX/2020. Due to Corona virus it expired. I recieved a second preapproval for a conventional loan. Due to the mortgage company pulling my credit seven times my credit score dropped. Which red flagged me so I didnt qualify  for the XXXX or the conventional loan at this point. She they went back to the FHA. XXXX and my daughter are on XXXX ( she is a minor ) they asked for proof of her income for 3 years. Social security wrote a letter stating she will recieve dependent benefits until XXXX XXXX, her school also wrote a letter stating she will need services until XXXX years of age. This paperwork is not acceptable to them. If they would not have pulled my credit seven times I wouldn't have to have those letters. Now we will be homeless because my lease is up where I am and we were supose to close XX/XX/XXXX. It's now XX/XX/XXXX and they are denying me.
Product: Mortgage

On XX/XX/2018 my attorney submitted documents to Homepoint Financial to be reviewed for mortgage assistance regarding the foreclosure on my home. On XX/XX/2018 they called to follow up with the documents and informed by a representative on behalf of Homepoint that the file was in active review. Again on XX/XX/2018 they were advised the file is still in review and once again on XX/XX/2018 they were told the file is still in active review however the sale date for XX/XX/2018 was still active. When they called Homepoint Financial today, they were informed by the representative that the review was closed back on XX/XX/2018 due to 2 items pending. They stated they called me and and sent me a letter which is FALSE. I never once received a phone call from Homepoint or any letters regarding missing documents to this day. I have never received any communication from Homepoint regarding a point of contact assigned to my file and nor has anyone even spoken to one until today. The representative even said the wrong phone number for my attorneys office who they should be calling but did not because of errors their employees made. So now due to the lack of professionalism and lack of attention to detail, my home is being foreclosed on and I am forced to find another option. Homepoint Financial had 3 opportunities to inform my attorney or myself that documents were needed and failed each time and now 24 hours before my sale date they acknowledge their mistakes with no remorse or alternatives to fixing the problem on their end. All of my rights have been violated and not to mention a Notice of Trustee sale was placed WHILE I was in active review according to the 3 representatives who stated it was in review which is a form of dual tracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote to Transunion to dispute what they are reporting on my credit report. They sent me a response to verify my address when I already had my address on State ID which is their address verification. I used a XXXX XXXX XXXX which was still a valid address as I was in a XXXX XXXX XXXX at the time. Both the addresses were correct and valid and have attached proof of these addresses including the ID I sent to bTransUnion. I did not see any investigation done on my reports despite Transunion having valid addresses, I feel that this was only to buy time as they have no adequate information to complete an investigation, hence validate the debt as requested. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
As reiterated in my letter, if Transunion does not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Product: Credit card

{$1600.00} to XXXX XXXX XXXX account starting XX/XX/year>. The charges were not authorized because I had called on XX/XX/year> to requested a new card to be send home when the new card had not arrive to my home there were already charges on : XX/XX/year> for {$420.00} Not authorized by me XX/XX/XXXX, XXXX for {$410.00} Not authorized by me XX/XX/year> for {$3.00} Not authorized by me XX/XX/year> for {$420.00} Not authorized by me When I had called regard the charges above, the department had helped credited back to my account, therefore, I have not thought about the card and had not use the card since then. Until XXXX of 2023 statement came home with charges that I did not authorized again on : XX/XX/year> for {$210.00} Not authorized by me XX/XX/year> for {$420.00} Not authorized by me XX/XX/year> for {$420.00} Not authorized by me XX/XX/year> for {$410.00} Not authorized by me XX/XX/year> for {$3.00} Not authorized by me The new card that was send to me since XXXX I have not use it not even once or anyone else that I know were authroize for any transactions above in the month of XX/XX/year>. When I had receive the statement back in XX/XX/year>, I had called like I did back in XX/XX/year> regarding these fraud charges and was told by one of the representative agents from the department for the letter to dispute the charges to be sending home. Since XXXX till now I had called numberous times stating that I have not receive the letter. Weeks went by and I was calling again then was told to continue to wait for another week for the letter until I called again this morning on XX/XX/year> to write this letter of appeal for the charges. I am requesting the error be corrected, that any finance or other chages related to the disputed amount be credited to my account. Please correct the error on my account promptly also I would like to thank you for taking the time and help me look into this matter.
Product: Checking or savings account

I am writing to formally lodge a complaint concerning the handling of my recent account restriction issue. Despite multiple attempts to address the matter, I find the resolution process both inefficient and frustrating. 

The problem lies in a notification stating that a letter was sent to my previous address and returned undeliverable, subsequently leading to the restriction of my account. I acknowledge my oversight in updating my address promptly after moving, but the challenges faced in resolving this issue have been needlessly cumbersome. 

Numerous calls to the customer service have yielded sympathetic yet unhelpful responses. I was instructed to submit specific documents for account review, but my attempts to clarify which documents are required have been met with ambiguous responses. Moreover, the promised 24-hour response time for messages on the website has not been adhered to, leaving me in a state of uncertainty for two days. 

This situation is particularly distressing as it is the second time I am encountering such account-related complications. I expect a more efficient and customer-focused resolution process from a reputable institution such as Synchrony Bank . 

I appreciate your immediate attention to this formal complaint and trust that it will be addressed with the seriousness it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I shared a depository account ( BB & T ) with a girlfriend. After we broke up, I closed out our joint account. At that time, there were no pending or outstanding checks. 

Unbeknownst to me, my ex-girlfriend wrote a small check for {$14.00}. Since the closed account had no funds in it, BB & T Bank covered the check with overdraft protection. The date of the check was XX/XX/20. BB & T should NOT have funded a closed account with the overdraft protection. They should have notified me, or my ex-girlfriend. Since the account was closed, and I had already moved to another state, I was not receiving bank statements, or ANY other correspondent from BB & T. I later learned from BB & T, they made no attempt to contact me about the matter. My cell number was still valid. 

BB & T proceeded to charge me interest and late fees, despite the fact they funded a closed account and never attempted to contact me. When I finally received a call in XXXX, I immediately paid the total outstanding amount owed of {$45.00}. BB & T has reported a 60 late on my account, which has dropped my credit scores over 100 points. This has prevented me from refinancing my veterans administration ( VA ) mortgage. Other than their negative credit rating, my credit was excellent with credit scores in the upper 700 's to low 800 's. I tried to have them remove the late charge, but they refused and suggested I contact the credit bureaus and dispute it. They are the creditor and I was disputing it directly to them. My new loan officer tried to have them remove it, and he was also denied. My account number was XXXX BB & T knew the account was closed and should have picked up the phone to call me. Had they done so, I would have immediately covered the charge. Instead, they ignored it, which was to their financial benefit. To make matters worse, they destroyed my excellent credit rating by reporting me 60 days late to the credit bureaus. Each time I contact them, I'm told, " there's nothing we can do. '' They are the creditor and they can remove the 60 day late from my credit profile, which would restore my credit rating. Even with my numerous deployments to war zones, I was never late on any obligation. Now, my great credit rating was damaged, because BB & T was too XXXX to pick up the phone. Is this the way BB & T treats XXXX vets??
Product: Credit card or prepaid card

The XXXX, or Card.com has been withholding XXXX in money on a card that I've had for years. It's been almost a year. In XXXX, my family and I were victims of a house fire, we lost everything, including our family pet. XXXX  and with children, we of course started a XXXX  account. Out of XXXX they are withholding XXXX. Talk about kicking us while we're down! We've sent everything they've asked, including a legal afadavit, to NO AVAIL. In the meantime they are still collecting their fees!! Can ANYONE HELP US?? We need our money.
Product: Checking or savings account

I was defrauded by a company and the bank failed to do a proper investigation protecting my consumer rights. The only thing I was provided was some log of from the company I am disputing. The bank didnt fulfill its duty to understand what had happened and that I was defrauded out of my money. I was scammed into signing up for a course which I understood to be asynchronous at the time of purchase {$2200.00}, which it ultimately was not. By the time I realized this wasnt the case I was told it was too late to get my money back from the company so I filed a dispute with my bank. I also filed a complaint with the AG in the state of California, FTC as well as the XXXX XXXX XXXX. I am now out {$2200.00} because the bank is stating theyre taking the temp credit back that they gave me and the company will not refund my money. I have nothing to show for {$2200.00}, nothing. The bank did also take longer than 45 days to investigate this and I was not notified until today of their decision. Please do the right thing and ensure my consumer rights are protected. I can send the emails i had with the merchant when I was asking for a refund and why. Please reach out to me so I can forward those on to the appropriate party.
Product: Vehicle loan or lease

I NOTICED SOMEONE APPLIED FOR SOMETHING IN MY NAME THAT I DID NOT AUTHORIZE.
Product: Mortgage

I am a current customer of Rocket Mortgage and have a current Mortgage out on my primary residence and my mortgage is in good standing. Recently I was contacted regarding refinancing solicitation by Rocket Mortgage on XXXX. During this call a representative from the company stated there was a possibility for a new rate and cost savings that they can try to offer through additional refinancing. I expressed that I did not think I would like to refinance as I had refinanced my mortgage with Rocket 1 year prior. The representative redirected my concern and stated that it could be possible to help me save money and it would be a quick check. I stated then that I did not want my credit score affected and did not want a hard pull on my credit but should they be able to tell me available rates I would hear them.

After that the representative submitted a new application for refinancing into my account and did not give my any rate quotes and pulled my credit for a hard pull. I ended up having my credit score then drop XXXX points in a matter of a week. I have reached out to Rocket Mortgage to ask them to look into and also to rectify the situation as this could be considered in my opinion misleading or predatory behavior but my request was denied. Thus I am moving forward with my concern and complaint to CFPB so others do not experience this kind of misleading and poor business practice moving forward. 

Thank you for your time and your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX are all reporting charged off accounts when charge offs are considered income I do not consent to have any of my income being reported unlawfully to any third-party credit bureaus. 

Should any credit bureaus decide to not immediately remove these accounts I intend to Sue them for damages directly for the violation of my privacy. Please see attached JS 44 Form Civil Cover Sheet that I am fully prepare to process should you not honor my request.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credt report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Checking or savings account

Hi so I have been locked from my TD bank account a few days ago and have been locked for good, can't get the account back im done. But I can't get my money back, they are trying to figure out what is going on with an account that is only about a couple weeks old and want me to wait probably 30 days to get my money back actually most likely more. I have done research on this topic and have seen that TD is very slow with the responses and that they want you to forget about it pretty much until you actually give up. I can not do this right now we are in a pandemic I will not let someone hold my money for such a long time during these drastic situations and also close my account without warning completely out of nowhere. I have talked to many TD represenatives and even they haven't added much to my help at all, it's always in the hands of the investigation teams. The service I have received here has been ill and I will not wait so long for a check of money that should already be in my hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from Experian about a new hard inquiry in my report from a company called XXXX XXXX. I have never dealt with that company nor heard of it before. I called XXXX XXXX and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called Experian and was transferred 3 times to different teams that handle disputes without actually getting help from any.

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to Experian without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. Experian has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that Experian removes the following hard inquiries and incorrect personal information : - XXXX XXXX on XX/XX/XXXX - Bank XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports that I made two late payments in the month of XXXX & XXXX off 2020. Ive never paid my car note 30 days late. Ive continually made my monthly payments before 30 days. Credit Acceptance is reporting that I made two 30 day late payments which is false. I have documentation that I never missed a Payment, I notified them of this error 5 times and I also mailed a certified letter requesting such request. This error on my credit report has cause me serious credit issues, I was in the process of purchasing a home and now I ca one cause of this. I am not happy with this company
Product: Credit card

Barclays placed an unathorized rebill on my account. They may have spoken with someone at my home, but did not speak with me. I did not authorize a rebill. I have no idea why a rebill was exectured. I called to dispute this charge. I 've reported this charge as fraudulent. They resolutely refuse to refund the amount or to investigate the rebill as fraud. They refuse to process it as a dispute or to conduct a fraud investigation. They also have hung up on me during calls and refused to explain this process to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light if the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate into my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CSPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I had an old debt on my credit report from XXXX, I believe it was from around XXXX. It looks that this debt was sold to Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Upon purchasing this debt they re-reported it as a brand new collection beginning XX/XX/XXXX when it is the same debt from XXXX. 
This is double reporting. I disputed the debt with XXXX and it is being investigated but my credit score took a big hit. This is not legal.
Product: Debt collection

Contacted Bank of America and provided a police report as well concerning the identity theft that occurred. Bank of America WILL NOT PROVIDE me with my signature nor where this app was done and filled out at. They are a bank that people really need to not do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX I have the federal right to as consumer to see the report trail from the ( 1 ) bank to ( 2 ) e-Oscar to the ( 3 ) credit bureaus. This is not a duplicate. The last time I gave you the Experion false report fabrication as well as the real thing from the bank. Someone short attention span XXXX Decided to run a diversion so my lawyer is going to take this as a  civil right violation. And being a federal lawsuit from the state of Maryland. because yall are closing the case without relevant answers. You guys are not undermining my intelligence. This time by law of the state of Maryland I need to see the name person handling this report.