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

I am respectfully asking the XXXX, XXXX and TransUnion Credit Bureaus, to kindly please REMOVE these items listed in this complaint. I am sending this complaint as a follow up in making sure that these items listed below are removed from my credit reports. I am asking that the XXXX Credit Bureaus to please see the these items below and remove them in my credit reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required by the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against EQUIFAX, XXXX XXXX XXXX. These bureaus have repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, EQUIFAX, XXXX XXXX XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. These bureaus ' unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. Both of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that both of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

on XXXX XX/XX/XXXX my cash App account was accessed and {$1000.00} was sent from my account to another person 's cash app account. I then contacted cash app explained to them while the charge was still pending that it was in fact an error. cash app explained to me that they can not stop a transaction while its pending. that I would have to try to contact the recipient and ask them to cancel the transaction. unable to do so for several days I spoke back and forth between cash app representatives and supervisors. after unsuccessfully being able to resolve the matter the account status updated to complete. I then contacted cash app again and explained to them that the transaction is complete and if we can now work on refunding or reversing the transaction after several hours of countless transfers to different departments and representees. i was then informed that because it was completed, they could not do anything to reverse payment and that i would have to get XXXX with the bank on file that's link to the account where the funds were transferred from. I then did exactly what i was instructed to do and reached out to my bank who then investigated and refunded me my money from cash app. cash app then went back into my cash app account and over drafted my account for the {$1000.00} my bank disputed with them leaving my account XXXX already had a positive balance of over {$400.00} when they went into the account. i really need my money back. this company totally mishandled my case and have no protection for victims
Product: Debt collection

I called my former apartment complex and was informed that they switched management companies and didnt have anything on file for me. I was advised to call the former management. I called XXXX and was told that they didnt have any information on file either. I moved out of XXXX XXXX apartments on or around XX/XX/2016. I paid the balance owed in full which was {$200.00} and did a full walkthrough with the then XXXX XXXX and was given a clean bill. When speaking with the collection agency, national credit systems, they said the balance is due to unpaid rent and damages, of which there are none. No one is able to provide proof of this as well.
Product: Debt collection

The ongoing problem that I have with Capital One is in regards to a fraud situation. While charges were authorized, the ability to use the card was predicated entirely on Capital One approving and applying deposits to the account. Without this approval, the card could not be used. Even though the account was restricted on more than one occasion, the deposits were approved. At more than one time, I was told that the only way the money would be credited was if Capital One spoke directly to the bank or the person who owned the account. Given the fact that the credits were applied and then consequently removed proves that they did not follow their own procedure. If they could not get this confirmation, then the credits should not have been applied. 

Capital One fails to explain or account for their failure to properly verify the deposits in a timely manner. Deposits that were approved in XXXX were returned as late as the middle of XXXX, well beyond any reasonable 3-5 day turnaround time. By the time that I was notified of any issue with the deposits, the account was already used based on the positive confirmation that credit was available. It was not until XXXX before I received any written documentation, and that was after I continually pressed Capital One for information. The fact that they take no responsibility for the credits being applied because they use a clearinghouse does not remove any accountability. The extreme delay in the approval of these funds and the removal of the funds makes the approval of the subsequent charges their fault. Their stance that it is not their problem is wrong.
Product: Money transfers

I sent {$760.00} from my XXXX account to a bank account in XXXX on XX/XX/2016 ( Monday ) using Remitly.com. The funds were to be delivered to the destination bank account by Friday XX/XX/2016. To this day ( XX/XX/2016 ) the funds were not received in XXXX, nor returned to my bank account. Remitly has no idea where the money went, and can not produce any proof that they correctly executed the money transfer from my account to the one in XXXX.
Product: Credit card

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my XXXX  well-being, disrupting my sleep and peace of mind.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX, XXXX, and Experian repeatedly reinserting previously deleted inaccurate or fraudulent accounts and inquiries into my credit report. Despite providing evidence, including FTC Identity Theft Affidavits and supporting documentation, these credit reporting agencies have continually failed to prevent the reappearance of erroneous information. Below are specific examples detailing the timeline of these issues : XXXX : Source Receivables Collection Account Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX XXXXl Account Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX XXXX Account Deleted : XXXX Reinserted : XX/XX/XXXX ( disputed and deleted again ) Reinserted : XX/XX/XXXX under a new furnisher ( disputed and deleted again ) Reinserted : XX/XX/XXXXXXXX XXXX  XXXX XXXX Account XXXX : XX/XX/XXXX Reinserted : XX/XX/XXXX XXXX-Retail Account Deleted : XXXX for identity theft Reinserted : XXXX ( after providing proof it was a fraudulent account ) XXXX and XXXX XXXX Account Deleted : XX/XX/XXXX, reinserted XX/XX/XXXX Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX ( disputed and deleted again ) Reinserted : XX/XX/XXXX Audit and Adjustments Collection Account Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Payments ) Disputed : XXXX Reinserted : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) Disputed : XXXX Reinserted : Later in XXXX Inquiry for XXXX  XXXX Bank Disputed : XX/XX/XXXX ( submitted with an FTC Identity Theft Affidavit ) Reinserted : XX/XX/XXXX Now Appearing as Two Separate Inquiries XXXX : XXXX  XXXX  XXXX Account Deleted XXXX XX/XX/XXXX Reinserted : XX/XX/XXXX XXXX Card Account Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX ( disputed and deleted in Fall XXXX ) Reinserted : XX/XX/XXXX Feb-Retail Account Deleted : XXXX Reinserted : XXXX ( after providing proof it was a fraudulent account ) XXXX XXXX XXXX  ( XXXX XXXX XXXX : XXXX Reinserted : Later in XXXX Audit and Adjustment Collection Account Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX Disputed : XXXX Reinserted : XX/XX/XXXX Inquiry for XXXX  XXXX Bank Disputed XXXX XX/XX/XXXX ( submitted with an FTC Identity Theft Affidavit XXXX Reinserted : XX/XX/XXXX Now Appearing as XXXX Separate Inquiries Inquiry for XXXX ( XXXX ) Disputed : XX/XX/XXXX ( submitted with an FTC Identity Theft Affidavit XXXX XXXX Refused to Delete and Confirmed it as Accurate Experian : XXXX  XXXX  XXXX Account XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Feb-Retail Account Deleted : XXXX Reinserted : XXXX ( after providing proof it was a fraudulent account ) XXXX XXXX XXXX ( Late Payments XXXX XXXX XXXX XXXX Reinserted : XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Reinserted : Later in XXXX
Product: Money transfer, virtual currency, or money service

On  XXXX  -17 a t  XXXX , Florida  Branch of Chase JP Morgan bank, I need ed to wire transfer almost {$160000.00} from my checking account that I have had with  Chase JP Morgan ba nk to the  XXXX   XXXX   XXXX   ,   XXXX  located in  XXXX , Florida.   The transfer was performed quickly without any disturbance, however the problems appeared after I requested written confirmation for that transaction. The employee who performed the transfer (  XXXX   XXXX   XXXX   ) br ought the filled up form of Wire Transfer Outgoing Request but refused signing that confirmation. I was very surprised and asked why couldnt he signed that form. He told me that the rules dont let him. That made me even more surprised. After some painful conversation he went to the branc h manager asking for signature. She, ( the branch manager, a  lady who didnt even introduced herself, so I dont know her name ) signed that form.   However, when I asked her to sign the Service Confirmation form she refused telling me that the bank branch keeps all documents. Thats alright but I need that document in my records as well, I said. Still, she wouldnt sign that document. I was not able to understand what was the problem with signing that document by the manager or the employee who performed the money transfer. I strongly requested signing she kept refusing. She raised voice at me in public in the main area of the branch office. Many people witnessed that very ugly quarrel. Finally I was forced to give up and I left the branch without the signed document. I hope I dont need to explain how upset, insulted and humiliated I felt. And I still dont understand what was the reason for that lady to be so stubborn refusing signing the document given to customer. The document important to me  ( almost {$170000.00} ), which in nor mal business environment mustve been signed by a responsible party. If I had a little bit more time I would probably call police because her behavior looked very suspicious.   I have been your client for probably longer than 15 years. Was my request really something illegal or unusual? I have to say also that Ive never been treated in any business place like that written above.   The situation, which Ive described above brings impression that the Chase bank doesnt care much about its customers, because some of Banks employee miss the basic skills, neither training to deal with customers, act very unprofessionally ; having no idea how they need to treat the Banks customers.     The worst is that I still do not have idea why I had been exposed to all of that stress. Why the person, who made important work for the customer was so stubborn and rude and kept refusing to the end, signing that job was done properly. I can not believe that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I C System Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX Amount : {$1000.00} I have disputed this entry for I C System for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between XXXX XXXX XXXX and myself for repayment. The only responses I've received were statements for payment. I've sent correspondence on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card

I need for this bank to remove XXXX late payments that they have posted on my credit report. I am still in bussiness with them and I do n't remember ever paying late. Also, this is creating a harship in my credit and I love purchasing goods with all the cards associated with this bank. I believe is XXXX XXXX, XXXX XXXX, and New York and Company. I am still a good costumer and I should believe I should be given the forgivieness of thos late payments and to please be remove from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's 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 Zelle failed to investigate my claims adequately. They 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 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: Checking or savings account

Between XX/XX/2024 and XX/XX/2024, I made XXXX deposits into my account. These deposits were my payroll checks and pay from my business. 

Chase Bank froze these funds without any explanation. We reached out to Chase Bank to release these funds and allow us to gain access to these funds, and Chase Bank has not assisted us in any endeavor. They subsequently closed the account, but have not yet released these funds to me or back to the business. The funds have been tied up by Chase Bank and they are not providing any resolution to resolve over a month later.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( XXXX XXXX ) For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Product: Mortgage

I switched banks in XX/XX/XXXX. XXXX setup a monthly auto-payment to pay {$1400.00} to Freedom Mortgage on XX/XX/XXXX, when payment was due, using my new bank account. Unfortunately, the payment did not process. Many other transactions to other services processed successfully and I missed the fact that the mortgage payment did not process. I received a letter in the mail on November 2nd, 30 days later, stating that I had missed a payment. I immediately logged on, discovered the error and payed {$1500.00} which was the payment due on XX/XX/XXXX in addition to the late fee of {$59.00} along with {$1400.00} which was the payment due for XXXX. On XX/XX/XXXX, I received an alert from XXXX stating that my credit score had decreased from XXXX to XXXX. 

Freedom Mortgage did not tell they were reporting a late payment. They did not provide me an opportunity to resolve the issue before reporting the late payment. Freedom Mortgage did not send me an email, a text message or a phone call to inform me that payment was not received. Freedom Mortgage DID HOWEVER make NUMEROUS phone calls asking me if I would like to refinance my mortgage. After telling them no multiple times, they continued to call. They left voice messages at times asking me again and again if I would like to refinance. Not once did they call me or leave a voice message to let me know my payment for XXXX was not received. I did not about the issue until I received a letter in the mail on XX/XX/XXXX - after 30 days has passed. 

I have been a Freedom Mortgage customer since XX/XX/XXXX ... 9 years. I have NEVER missed a payment or been late on a payment. I do not believe Freedom Mortgage provided me an opportunity to address this issue and that is why I am disputing this issue.
Product: Student loan

I try to defer my loan with Nelnet and they keep rejecting it either because the form is wrong or the documentation is not acceptable, sometimes both, one after the other. 

I go over the form and documentation with a rep on the phone make corrections and resubmit after the rep confirms that the form and documents meet the criteria. Only to be later rejected again for the same reason. This circle has been going on for over a year. 

After my last complaint I resubmitted and the rep confirmed the information. I again got a follow up call last month saying that I was rejected for the same reasons again. I want all of the records and recordings of the last call, as well as a document that shows specifically what I am missing. I also want oversight on this company and a call from the director level. There is clearly no accountability by the federal gov. on Nelnet and other lenders. This is shameful.