23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received extension on bonus award for opening an account, which was extended to XX/XX/year> because of Chase 's failure to timely complete their security checks resulting in delays of using my card. I reached the {$4000.00} requirement. I called in XX/XX/year> to inquire about when I'd receive my bonus points of XXXX. They said they will have it. I visited their physical location around XX/XX/year> to inquire when I'd get it. They said I will have it by the next statement date ( XX/XX/XXXX or XXXX ). I still didn't receive it and called again. They said they will call me back with a response, but it's been over two weeks and they still haven't.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelle handling of disputes particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of time and reporting discrepancies my financial institution and Zelle failed to investigate the claims adequately. They informed me that recovering lost funds was impossible and thats tracking these transaction last was infeasible the cfpb findings not on states that Zelle failed to protect consumers but also has allows repeat offenders to exploit the system
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 late payments on my credit accounts that have happened on XX/XX/2020, XX/XX/2020, XX/XX/2020 on my CCB/XXXX 1 Account with XXXX XXXX through Comenity Bank. These are incorrect. The company was doing COVID forgiveness at the moment and lied to me. Please investigate these late payments at your earliest possible convenience, as I do not recall being late on the account in question and I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score shows an accurate depiction of my creditworthiness.

Please update me with a full report on your findings and how the item was validated within the next two weeks. I look forward to having this situation rectified as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit card

I reported back in XXXX that several fraudulent cards were opened under my name. I explained to Capital One that these were opened without my authorization and using my stolen SSN. They said that I shouldnt worry and that all of those were closed. 

Flash forward, I get a small claims complaint against me for an amount owed on XXXX of the cards, I called Capital One and they said they couldnt do anything and that I have to wait XXXX  days for the new fraud claim. I asked them to get in touch with the legal firm representing them to cancel the court filing, they said they couldnt, I asked them what could I do, and they said thats not on them an to wait. 

I also have a lawsuit ( criminal ) because those who opened the cards, not only obtained goods, but used stolen bank accounts to pay and keep using them. I explained the situation and that I need a letter from them saying that they have been closed and that there was a fraud claim. They said to keep calling and to wait XXXX  days, not even saying that my lawyer will contact them, they said they would do something. 

Im requesting them, not only to close the accounts, but also send letters for my lawyer to use for my defense. And get this solved urgently.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have been a victim of identity theft, resulting in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am requesting immediate action to address and remove them. 

ACCOUNTS - XXXXXXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I request the removal of this HWARFIELD collection account from my credit report, as the original creditor, XXXX XXXX XXXX, transferred my account to a collection agency without giving proper notification. This constitutes a violation of my rights.
Product: Mortgage

Loan was paid off in mid-XXXX 2021 to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX for {$180000.00}. After payoff there was an escrow balance of {$11000.00}. We have called several times requesting for the escrow to be paid back to us. Every time we call they say it will be 10 days to mail the check. We have waited 4 months and still not received the check. What recourse do we have and how can we get the balance of the escrow account refunded?
Product: Checking or savings account

XX/XX/2018 a account at Bank of America was opened by me with a {$25.00} deposit. Wasnt able to access account after they closed it and kept the remaining funds in the account
Product: Credit reporting or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of fraudulent activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following items that needs to be remove in my credit file right away : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$260.00} ; XXXX  XXXX XXXX XXXX Balance XXXX {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ; XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX received $XXXX  and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  XXXX XXXX XXXX changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. XXXX XXXX XXXX wants $XXXX as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and XXXX is taking advantage of me. I have never had a negative mark in years and XXXX XXXX XXXX emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.XXXX XXXX
Product: Checking or savings account

I had an available balance on my checking account of {$5400.00}, and then made a debit purchase for {$4500.00}. The next day, Ally told me that my account was overdrawn by thousands of dollars. But I have a screen shot showing that the money was in my account when I made that purchase. 

I called and disputed this, and they told me that my account would remain frozen until they completed their investigation. They were quite rude. 

I waited over a week, and when they finally unlocked my account, the remaining {$3800.00} I had in my savings had been automatically moved to my checking account and then disappeared. Now I have literally no money in my account because they took it without providing any explanation whatsoever. 

Why did they tell me that I have enough money in my account to cover my purchase? 

If I didn't have that money in my account, then why did they allow the debit card purchase to go through for thousands of more dollars than they say I had in my account? 

They have provided no explanation whatsoever for these questions, and just took the remaining money I had in my account that was completely unrelated. 

This should be criminal and I want my money back and an explanation. 

Every time I call they have just been rude and refused to answer my questions or provide any information.
Product: Debt collection

So I reported XXXX and dobberstein law firm they are trying to collect old debt that is from 2017 and now they are garnishing me after I called tried to work things out yes I did lose a few jobs along the way but there should be no reason of the garnishment without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off two creditors in XXXX and XX/XX/2021 but my score never moves from XXXX. Is anyone at the 3 bureaus doing anything these Pandemic days? 

On XX/XX/2021, my request for a consolidation of my U.S. Dept of Education loans ( 12 loans ) was approved. I know I need to wait until XX/XX/2021 to see any changes, but I am doubting this will change anything. My score has remained at XXXX for many, may months in spite of positive activity. 

The credit report bureaus should note this as a positive event in XXXX, 2021. If they do not, please investigate. My credit score remains at XXXX for a number of months now. I am wondering if staff at these bureaus are actually doing their job updating anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX got a notification from myFICO app that there was a new credit inquiry on my report from signature federal credit union from XX/XX/2023. I did not give them permission to run my credit nor have I had contact with this institution in over 3 years and they had no reason or right to be running my credit. It is a fraudulent act. 
I called the credit union to only be put on hold and call was never answered, I also left a message but did not receive a callback.
Product: Debt collection

No final balance or final notice with a breakdown of costs provided. Never received a notice to dispute final balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information regarding my employment with the XXXX XXXX XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by XXXX it is listed that I have no Employment information and on my report received by XXXX it is reported that I have been employed by the XXXX since XX/XX/XXXX.
Product: Checking or savings account

on XX/XX/XXXX, i sended a money transfer by XXXX thru my bank ck acc ( Wells fargo ) ( {$300.00} ) for a wrong phone number and called back right way to the wells fargo bank and explained my error and they opening a claim ... Time passed by and after 15 days, i called and the bank said was not they error and is not they responsability and the case is closed. 
I founded by the old number, who received the money thru anothers pay app, and the person name is XXXX oneill ( old number on my XXXX XXXX actual number ) ..I text to her and she respond and said the money was reversal on XX/XX/XXXX and the bank will contact me and that never happen! and she sended the copy of the transition ... I went on the bank after 3 days online apointment ( Confirmed by my email ) and explain again in person and they said my clain was not closed ( Lied to me ) and them i called and open another claim on executived office ( claim:XXXX ) on XXXX and today on XXXX they said the same thing again over the phone ... ..Was not they error and the case was closed! and them i reopening another claim after talk to a executive officer ( mr XXXX J-Wells fargo ) claim XXXX.need Help! And for who may concern, very truly yous, XXXX XXXX XXXX and customer of well fargo banking and account end on -- XXXX -- -My phone numberXXXX Email : XXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, Creditor : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Based knowledge, I don't owe this debt collector.
Product: Credit reporting or other personal consumer reports

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 XXXX under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX, ), XXXX XXXX under the account number ( XXXX ), XXXX XXXX  under the account number ( XXXX, ), XXXX XXXX  under the account number ( XXXX, ). I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud. 

MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS.
Product: Consumer Loan

My husband I obtained an auto loan through this company and kept the account current. On or about XXXX XXXX, 2016 the vehicle was involved in a fire and was deemed a total loss. At this time the auto loan had a balance of {$7300.00} My primary insurance issued a payment on or about XXXX XXXX in the amount of {$3900.00}. Gap insurance issued a payment on or about XXXX XXXX in the amount of {$2900.00}. Afterwards, I had made several attempts to set up payment arrangements that were satisfactory to XXXX parties ; unfortunately they were unable to accommodate a payment plan without issuing a derogatory mark on my credit report. When I called to today, XXXX XXXX, 2016, to pay the full balance they informed me that they reported that my payments were XXXX days past due. I stated that it has only been XXXX days since they received a payment and I believe that there is 30 days to make a payment since the last payment, so if anything I would be XXXX days past due. I paid the balance in full in an effort to minimize the impact that this account will have on my credit report.