23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bank of America is reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times & reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible & that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the systems, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX**** has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactor reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item
Product: Credit reporting or other personal consumer reports

Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. To provide context, I first identified the presence of fraudulent items in my credit file on [ Date of First Discovery ]. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the fraud. I submitted all necessary documentation to substantiate my claims, which included proof of the fraud and any related police reports. After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. Despite my repeated efforts to rectify this situation, the fraudulent items persist in my credit file, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. Kindly help me remove the following items immediately : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX Owed : {$81.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$14000.00} - Reg XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit card

I paid the balance off on my Sam 's Club synchrony bank credit card. I usually pay it off and occasionally have a balance. I've never been late the entire time I've had. I always pay early and more than the minimum. I paid it of XX/XX/ 2024. I paid {$940.00}, I used a week later and spent {$170.00}. I checked my account today and I now have a limit of {$100.00} and my limit used to be {$1000.00}. I will now be over the credit limit, since they lowered my limit after my purchase. I made my purchase on XX/XX/ 2024, approximately. So, they have effectively lowered my credit score, as well as intentionally put me over my credit limit. Even though I have routinely paid the card off, used it regularly, and I have never been late paying it. When I contacted them today, they did not help or explain why my credit was decreased, however the representative did note to me that it was not because of any late payments. Which I knew, because I never made any late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX on XX/XX/18 violated my 609 rights by reporting incorrect information to XXXX, Equifax, and XXXX, regarding my credit file. The following Credit Bureaus further violated my rights by adding this incorrect information to my credit profile for others to see. 

The above Buisnesses, along with others reporting to the following companies Equifax, XXXX, XXXX, that i applied for credit in which is inaccurate. 

They have violated my rights to have fair information on my credit report. 

My personal information on my credit report is inaccurate as well, i have requested to have my addresses, phone numbers and names, corrected on my report this an violation of my consumer protection rights.
Product: Checking or savings account

On XX/XX/XXXX of this year, Truist Bank changed the terms of my checking account, ( which I have had for at least 8 years ) without notifying me. 
My account had never had a minimum balance requirement before. Suddenly I had a {$25.00} charge on my account and was then told by my bank that my checking account now has a {$25000.00} minimum balance requirement to avoid fees. 
This change was never disclosed to me. I was then forced into a different checking account to avoid these fees. My new checking account does not have the same benefits as my old one. 

I believe the bank did this to force me out of my checking account which had good benefits.
Product: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One Account # 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. 1666 B : 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

I called a few times to XXXX XXXX I had scheduled a payment for XX/XX/2021 and I called in on XX/XX/2021 to cancel the payment because there Would be no funds to cover it. I lost my job die to COVID and explained to XXXX XXXX I applied for unemployment and the got the response back Im approved however there is a delay with the processing of it. In short they enrolled me in a financial relief program for all my cards and they have token out all necessary payments via auto pay which I have proof I am up to date and there was an error in there system I would like them to fix with my account.
Product: Student loan

I have a private student loan through Sallie Mae for XXXX XXXX, a school that shut down in 2018 and has been included in federal discharge programs for defrauding students. I was not able to transfer any credits or finish my degree program. I have a loan for {$10000.00} for services I did not receive. When I have asked Sallie Mae about discharge programs or other alternatives I have been told I need to have XXXX XXXX  issue a refund, which is obviously not a viable option since they closed XXXX  years ago. No other options have been offered.
Product: Credit reporting or other personal consumer reports

I have asked all XXXX credit bureaus to investigate account XXXX XXXX  XXXX because I noticed multiple inaccuracies on the account. They all responded and said there was no changes needed. I asked for a re-investigation, where XXXX deleted the account due to the inaccuracies but transunion and XXXX have both just updated the accounts. I then created another dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. Transunion and XXXX simply updated the account, by changing the payment history to not showing the charge offs. The information is still inaccurate when pulling my credit report, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off XXXX time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly investigate. I am demanding an immediate deletion of this account.
Product: Credit reporting or other personal consumer reports

I made complaints about mostly all the inaccurate information on my credit report and when it comes to how companies are allowed to accuse and put things on your credit file that are not true such as evictions payments owed responsibility of debt. It is always our word again these reporting companies and consumers ' credit scores. It is a shame and immoral that CFPB and investigations by them and other agencies are always siding with companies even though that are purposely messing up peoples ' credit by filing inaccuracies, nonsense, and companies abusing their power when you bring up systemic issues and oppressive situations to them then they retaliate by abusing your credit file. It is also systemic oppression to try to keep consumers especially certain consumers credit files low or at high risk levels. I have been trying to address these practices for years and that's why I won't settle accounts of companies who were being systemic oppressive and tried to ruin my credit file purposely, harassing me like I really owe majority of these debts and dragging my score and file down.
Product: Mortgage

When I first signed my mortgage with Wells Fargo it was NEVER explained to me that although I had a fixed mortgage rate that it could possibly rise every month due to a shortage of funds in escrow or because my insurance premiums went up. In XXXX, the mortgage went up to an additional {$89.00} a month to {$1300.00}. In XXXX, the mortgage went up another {$53.00} to {$1400.00} with no explanation ( I ca n't find any documentation online, nor did I receive anything in the mail ). So that 's a total of {$140.00} since I first signed my mortgage agreement and that is ridiculous.
Product: Money transfer, virtual currency, or money service

So i've been trying to get my money out and cancel this app I want my money out. It won't let me transfer out. 

Their app, forces you to signup ( that's right, even tho i was already signed up for savings ( money coming in ) in order to withdraw the cash, you have to signup for their CASH account, so I went thru and signed up for all their " Albert cash '' account ( and other XXXX  services i cant recall the name of ) that I DIDNT WANT - and now it STILL WANTS ME TO VERIFY AN OLD ACCOUNT THAT DOESNT EXIST ANYMORE ( old closed checking account ) even tho i have added several other accounts that work just fine. 

Charging me $ XXXX for months now ( i guess is signed up for the subscription at some point?? but I CAN NOT CANCEL! ) I Even tried to cancel without getting my money out ( because yes thats how done i am ), It wants the last 4 digits of my physical Albert debit card. I didn't not order an albert card. I don't want a ALBERT CARD. 

I want to close my XXXX account.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit card or prepaid card

Capital one, without prior notice, has taken action against my credit score by decreasing my credit limit. The unilateral action taken by the bank, negatively affects my credit worthiness, which I work very hard to maintain. 
Upon further inquiry, the bank representatives refused to explain the reasons as to why such action took place. Since the offered no explanation, I feel this action is arbitrary and borderline discriminatory, given that from my name anyone can infer I am not a XXXX person. The credit limit was cut in almost half, from {$15000.00} to {$8000.00} according to the representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I XXXX XXXX, sent a letter requesting that Transunion reinvestigate some inaccurate and unknown accounts on my credit report to this day over 45 days later I have yet to receive an response from Transunion. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately " REMOVE '' those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach, and OPM data breach and may have gotten into the wrong hands
Product: Credit reporting

I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family. I have made countless attempts and Do n't know what to do.
Product: Debt collection

On XXXX/XXXX/2016 my human resources manager came to me with concern over a phone call that she received from a " XXXX XXXX '' asking her what our company 's procedure regarding them coming to remove me from the company. I looked at the phone number she had written down and recognized it to be that of a collection agency that I have dealt with in the past regarding a online payday loan with " my next day cash '' I called and spoke with a male who would not let me speak with XXXX XXXX and who went on to describe the debt and informed me that it was check fraud, several attempts to serve me with a warrant had failed, so now they were coming to my job to " remove me '' The debt with " My next day cash '' is 2 years old. The reason that I received a loan from my next day cash is because I had run into some financial difficulties and I needed the help. I was making my payments until I again ran into some financial difficulties with my husband and the IRS. The phone call upset me and the human resources manager as I have told them to stop constantly calling my place of employment. They have my cell number and house number and they also have my email address to contact me. I concur that their collection practices are a violation of the debt collection laws with their blatant threats to incarcerate me and constantly interrupting my place of business, when they were told to stop. I did not get the gentlemen 's name who I spoke with but he informed me that he was with XXXX XXXX and my case number is XXXX. They were calling from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a new complaint filed on XXXX XXXX. 
This information is unresponsive to my demand. So I respectfully request you to remove this incorrect information from my Credit report. Also, I demanded proof I : XXXX XXXX owe You : Caine & Weiner Company, Inc XXXX. The information you provided was not proof I owe you any money. In fact, Caine & Weiner Company, Incs name was not present once in the ledger provided. Furthermore, Every step must be taken to assure the information reported is completely accurate
Product: Mortgage

I received a notice from my insurance company ( XXXX XXXX XXXXXXXX ) that Newrez/Shellpoint had neglected to pay my mortgage insurance. I wrote Newrez/Shellpoint on XX/XX/23 and forwarded the insurance bill. I also emailed it to XXXX. On XX/XX/23, when I still had not heard back from Newrez/Shellpoint, I called them and they had me send the insurance bill to them at XXXX. They called XXXX who prmised not to cancel my homeowners if they got payment to XXXX immediately. That did not happen. My homeowners was cancelled, and Newrez/Shellpoint sent me a notice ( XX/XX/XXXX, but I just received it ) that they were going to buy me insurance since the homeowners I had was cancelled ( because they failed to pay them ). Today, I had to pay XXXX {$140.00} to reinstate my homeowners policy hoping that Newrez/Shellpoint could actually get payment to them in the next 10 days. I am FED UP with Newrez/Shellpoint . Please help me! There is plenty of money in my escrow to pay this bill. And, my mortgage is set up to pay the homeowners out of escrow.
Product: Credit card or prepaid card

I was measured by a tailor in the USA for a custom suit to be sent from XXXX for {$650.00}. The suit had a defect in material and was very ill-fitting and impossible to wear. I had a suit made from the same company more than ten years ago, was completely satisfied and wore it to the appointment for measuring. I asked the merchant to send prepaid return label as it would cost me at least {$100.00}. to send it back. Merchant said no. I asked Citi Bank to dispute the charge. We went back and forth with credits and reversals over the course of many months. Citi finally says no because I supposedly signed something with merchant saying I will responsible tor return charge. I only recall signing the credit card authorization. Citi resolution team suggested that they did not receive pictures that I sent them and that pictures were not necessary The picture would show defect in the material and this would be a valid reason for a credit.
Product: Debt collection

This collection of debt is incorrect. I have never received any notices from this company. I have photos & videos of this service being disconnected because of damage from a hurricane named Delta on XXXX/XXXX/XXXX. The service was never turned back on because no one was living in this house. The house was moved off our property XX/XX/XXXX. This company was unlawfully charging me for a monthly service of electricity from the XX/XX/XXXX until XX/XX/XXXX. I've contacted this utility company multiple times without any response. I've tried to dispute and have heard nothing back. I have tried logging into Convegents website and it always says information doesnt match. On XX/XX/XXXX i contacted an agent from Convergent ( XXXX XXXX & she stated she can not explain why i can not log on and see my charges. This is not the only disputes this company has in our city. They have been on the news multiple times for charging people that were not connected. Im not sure what my next step is. This is the only derogatory mark on my credit. Any help is greatly appreciated.
Product: Debt collection

I was an employee of XXXX and provided with virtually free XXXX as a benefit, all I paid was {$8.00} for the DVR converter. They terminated me, I suspect it is because I disagreed with their benefit of service policy which held individuals who shared addresses responsible for bills verses just the contractually obligated individual. They immediately increased the rate of my service instead of canceling the service at the end of the period paid through or providing me adequate notice of a rate increase. This resulted in a XXXX collection account. This is so long ago I do not recall when I canceled. I disputed this debt with them due to not receiving adequate notice and never agreeing to the amount billed. XXXX then sold this to a third party. The company they sold it to, Credit Protection Association, XXXX, XXXX TX XXXX, also attempted to add a {$5.00} collection fee to make the total XXXX. When I requested a copy of the contract and disputed the collection fee they sold this to another company. I disputed this again with XXXX XXXX, XXXX GA XXXX, who reported a balance of XXXX to all three credit bureaus. I disputed this and had it removed from my credit report. Now the debt has been sold to another company XXXX, XXXX FL XXXX and is once again being reported on all three credit bureaus. I will be disputing XXXX but this should not have been sold to them in the first place. I have disputed this debt multiple times and it just gets sold to someone else.
Product: Checking or savings account

I want to add my checking account to an external website to make payment.