23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my report that after contacting the company and trying to get more information and get the inquiries removed they were unable/refused too said i had to file a ftc report XXXX I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXXL inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was pre-approved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zells handling 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 situation and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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 raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the credit reporting agencies are not supporting equality for woman. I have interviewed many others including executives at the same corporate level and they have also identified a huge disparity between their credit reports and their husbands. We incurred the same credit & debt. All loans and assets were in both of our names. 

I submitted disputes and within an hour it said it was resolved. It is impossible. The one business was no longer open for business at that time and the other would take a full investigation. 

I am reporting it to FTC, XXXX, social media and the news. 

XXXX, XXXX and Equifax are also violating the FCRA and equality when only the husband gets the credit on his report and derogatory is taken off but remains on the womens report. Both shared the debt, gained the credit and worked so both should have the positive effects AND exactly the same credit reports. I was the one who bought and sold our homes. One for {$650000.00} and the 2nd home for $ XXXX. Where is that on my report!!!!!??? 

The bankruptcy landed only on my report and no sign of my large credit acquisitions and pay off amounts. 


Side note : XXXX is escpecailly guilty of this and will only list the XXXX XXXX member not both parties co-signing on a loan. Not really the American spirit for a financial institution built solely on the financing and economy of families Servicing this country. Dishonorable
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX Balance Owed : {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent transunion a letter in XXXX asking clarification on an account and was never sent. They're reporting personal information. Something needs to be done before legal action is adviced.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm reaching out because of the incorrect information on my credit report related to the account below : Account Name : XXXX XXXX XXXXXXXX Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, State Emp CU of Maryland, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately. 
Thank you,
Product: Checking or savings account

Below is information filed with the Michigan Attorney General. The attorney general referred me to you as Bank Of America is federally chartered. 

Consumer Information Your Last Name : XXXX First Name : XXXX XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX Your State : MI Zip Code : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX E-mail Address : XXXX XXXX Company Name : Bank Of America Street Address : XXXX North XXXX XXXX XXXX : XXXX XXXX : NC Zip Code : XXXX Product Offered : Online XXXX XXXX Web Site Address : www.bankofamerica.com Primary Jurisdiction : Bank Complaint Information Incident Date\Time : XX/XX/year> XXXX XXXX  Incident Location : Online Approximate Monetary Value : {$5000.00} What was the response from the business? Investigating as a payee fraud case. The bank does not want to reimburse me until it received reimbursement from the bank that cashed what is believed to be a washed check. This can take up to a year. The Bank Of America online XXXX XXXX policy states that consumers are protected against fraud. It does not state that the bank needs to recover the funds prior to reimbursing the consumer. 

Complaint Detail/Inquiry Information I requested that a check be issued to XXXX XXXX XXXX for {$5000.00} via online bill pay. My online request included the correct payee address and payee name. The check was issued on XX/XX/XXXX. The payee, XXXX XXXX, had not received the check within a normal timeframe. I then contacted Bank Of America and they confirmed that the check was issued and cashed in the full amount. XXXX XXXX checked in all departments and had no record of a check cashed in this amount. I then asked Bank Of America to send me a copy of the cancelled check via traditional mail. The cancelled check was received by me on XX/XX/year>. Bank Of America, through its online XXXX XXXX  system, had sent the check to an incorrect payee at anincorrect address or the check was intercepted and washed. Either way, an incorrect payee deposited the check. This payee is not a business that I have ever paid or contracted for services. Bank Of America reached out to XXXX to verify that they did not receive or cash the check. XXXX confirmed thatthey had not received or cashed the check. This would not have been possible as the check was not sent by Bank Of America toXXXX. I requested that Bank Of America immediately send a check to the correct payee, at the correct address, as it was thefault of BofA that a check was sent and subsequently cashed by a party which was not entitled to any payment from me. Bank Of America wants to treat this as a fraud case in which XXXX will have to prove that it did not receive or cash the check. This will be a prolonged process that is unnecessary as the cancelled check, which was provided by BofA, is proof that BofA sent the check. 

If you review the images, you will note that the requested payee is different from the payee on the actual check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian for XXXX accounts ( XXXX XXXX XXXX ) regarding validation and the account being annotated as past due, and requesting validation with copies of original ( wet signatures ). Payment history in XXXX XXXX these accounts is marked as " XXXX '' monthly, but continues to be reported as " past due '' in the status of XXXX accounts. Additionally, the request for validation with photocopies of original contracts is not being acknowledged.
Product: Checking or savings account

XX/XX/XXXX : I opened my Bank of America ( BOA ) checking account ending in XXXX and deposited {$3000.00} in a branch. 

XX/XX/XXXX : I transferred {$10000.00} from my own account ( ending in XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in 3 transfers : {$1000.00} through Billpay, {$4000.00} and {$5000.00} through Online transfer towards my own account ( ending in XXXX ) in BOA. 

XX/XX/XXXX : I received a phone call from BOA telling me that the names of my XXXX account and BOA account are different ( but they were actually the same ) so that they thought there is some risk in my account and they would close my BOA account. 

XX/XX/XXXX : The {$9000.00} transfers through Online transfer were declined and returned to my XXXX account but the {$1000.00} transfer through XXXX was successful. My account in BOA ( ending in XXXX ) was closed and the remaining fund ( {$3200.00} ) was subtracted. 

Since then, I have contacted BOA several times to ask when I will get the remaining fund back, but they kept telling me that the money was still under review and they were unable to verify the ownership of my money. They asked me to contact ALL the other persons or organizations who had transferred money to my account and let them prove the ownership. BUT they gave me no contact info of their verification team so none of the other banks nor myself could provide relevant documents. What's more, since I have no access to my BOA checking account, I am unable to know who sent me money before closure. 

The last time I contacted them was in XXXX, XXXX, when they still insisted that the money was under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX XXXX XXXX OH  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I was going to buy a car and I pulled up my XXXX XXXX, Experian  and XXXX  credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax, I sent them all my personal documents required by Equifax, Equifax stated that they can locate my file ( letter attached ), They have sent me credit reports to me before, how cant they locate my file.?

They ignored my request. Request attached with this complaint/ Pursuant 15 U.S.C Sec 1681a ( 3 ) Identity Theft and ( 4 ) Identity Theft Report. Having inaccurate addresses and with the amount of identity theft going on, I'm very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate. Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports. ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave Equifax any written consent to report these inaccurate old addresses or erroneous information in my consumer report, No consent is Identity Theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX ET, I entered a money transfer transaction from the US to XXXX : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Total Billed Amount : XXXX USD Exchange Rate : XXXX USD = XXXX CUC Transfer Amount : XXXX CUC Total to Receiver : XXXX CUC Transaction Number : XXXX XXXX XXXX In XXXX, the funds were unable to be retrieved because, unknowingly , Western Union does not allow US Citizens to be defined as the recipient of funds in XXXX. On XX/XX/XXXX at XXXX XXXX ET, I spoke with Western Union Customer Service for 15 minutes and 37 seconds to request that the Transaction be cancelled so that I could be refunded. I was told the transaction was being cancelled. On XX/XX/XXXX at XXXX XXXX ET, since the transaction was NOT cancelled, I submitted an online Refund and Cancellation request with Western Union ; Case Number XXXX On XX/XX/XXXX at XXXX XXXX ET, I called Customer Support again. I was on the phone with them for 42 minutes and 13 seconds, and was told that the system has an error, and that is why they are not able to process the cancellation of the transaction. On XX/XX/XXXX, I used the Customer Support Chat feature to contact Western Union around XXXX XXXX ET, and was told there have been no changes, and that they are still unable to cancel the transaction. To summarize, Western Union has held {$540.00} from my account since XX/XX/XXXX, and has not given me any updates or time frame as to when the  system error can be resolved in order to cancel the transaction and grant a refund.
Product: Debt collection

I have a collection on my report that is a duplicate and the company has not removed one of the collections. They have not sent me what the collection is for and there is no detail on the my report where they came from either. I've tried to dispute with the bureaus but haven't gotten a response from them either. Please help me to get this removed as it is not owed.
Product: Bank account or service

Chase Bank is engaging in fraud and negligence. They are refusing to open an investigation in a check fraud matter. After several months of complaints with them, they claim the check was cashed at XXXX Bank and is now telling me to call all XXXX Banks in search of who cashed my check. I contacted XXXX Bank headquarters and they said, they will NOT give me any information concerning the check until Chase Bank opens a fraud investigation. Chase Bank refuses to open a fraud investigation because they know it will prove that the check was cashed by an unauthorized party. XXXX Bank is willing to cooperate, but Chase Bank is unwilling to do the same. Chase Bank is angry with me for pulling the bulk of my money out of their bank. I did so because they are completely negligent. Chase Bank is engaging in retaliation and is breaching their fiduciary duty. Chase Bank habitually fails to protect clients, Even if I wanted to sue the party who cashed the check, I ca n't because without the investigation, I ca n't confirm who the party is. Chase should be forced by the banking industry to open an investigation. Chase is engaging and encouraging fraud, because they are aware that the person who cashed the check ca n't be verified. This is a banking industry issue because Chase Bank is engaging in numerous violations of banking laws. Chase has refused several times to respond to my complaints, and are probably NOT READING THE COMPLAINTS. This is not about a XXXX dollar banking refusing to refund a couple of XXXX dollars. This is about Chase Bank bullying their customers without repercussions. They should be sanctioned for failing to cooperate, and acting in concert with fraudulent activities. I want a full refund from Chase Bank because the culpability is on them for refusing to cooperate and open an investigation with XXXX Bank ( or the correct bank ) who is also involved in this matter.
Product: Consumer Loan

i built a modular home on XXXX, fl. in XXXX county. triad financial handled to loan. florida law changed XX/XX/XXXX to allow titling of modular homes if XXXX criteria are met. it must be modular AND on a mobile home lot. zoning for the lot i built on does NOT allow mobile homes. i informed triad that it can not be titled. they did so anyway and charged me for the fee. i visited the dmv office in XXXX county. they told me it should not have been titled but was at XXXX. they assured me they could get it fixed and issue real property designation. they called later to tell me they can not do so while triad has a lein on the property. triad could transfer the lein to the land but will not do so. the home has been declared permanent by XXXX county and the state of florida. i can not refinance without real property designations i should n't even need to aquire. the home is permanently affixed to the land. i have n't been able to find anyone else that will finance.
Product: Debt collection

I WROTE A DISPUTE SAYING THE ACCOUNT WAS UNVERIFIED HELVEY AND ASSOCIATES XXXX AND XXXX XXXX XXXX
Product: Prepaid card

I received a puce of mail from XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX with a Bank of America logo stating that a check we sent you related to your prepaid debit card hasnt been cashed or deposited. Please contact us to confirm your mailing address. 
Phone number XXXX I believe this is fraud. I don't use prepaid debit cards.
Product: Checking or savings account

I opened a a US Bank personal checking account in person on XX/XX/XXXX. I deposited {$25.00} in cash to both checking and savings.

OnXX/XX/XXXX I received a phone call from the bank rep that opened my account asking if I was able to get online banking set up and if I had any questions. That same day I transferred {$1400.00} from XXXX to checking account. 

On XX/XX/XXXX my debit card arrives but my checking and savings accounts disappear in online banking. 

On XX/XX/XXXX I am no longer able to log into online banking and get a message directing me to call US Bank. 

On XX/XX/XXXX I call US Bank and I'm told that " new accounts closed my account citing the terms and conditions that they can close accounts for any reason or no reason. I was told to call the local branch for more information. 

On XX/XX/XXXX I spoke with the local bank rep who opened my account who confirmed that the account was closed and that it was done under the " for any reason or no reason '' clause in the terms and conditions. I asked about my funds and she could not confirm that my {$1400.00} transfer completed or whether it was being mailed to me. She informed me that any cash I deposited " should be sent via check. '' Now my ~ {$1500.00} is in limbo due to US Bank 's policy of shutting down an account 2 weeks after opening. They will not cite a reason for the shutdown and the only transactions on the account are my original cash funding.
Product: Vehicle loan or lease

In the glove box when the car was repossessed, my fianc engagement ring was in there I spoke to the towing place they said they didnt touch anything so I paid {$4000.00} for this ring an yet Im out of a ring an money. Also the dates on this report are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained credit reports from XXXX, XXXX, and XXXX. On all 3 credit reports, I noticed a total of 14 late payments still reporting on both of my American Education Services/National Collegiate Trust ( AES/NCT ) student loan accounts. AES has a policy that has been in place since XXXX surrounding approved forbearances covering and reversing any late payments obtained during that time. I reached out to AES via email to their Consumer Advocate Team to let them know that they were reporting late payments on my credit report that shouldn't be there according to their forbearance policy. I received a response 2 days later saying that all credit reporting information from their company is factual and I need to dispute it through the credit bureaus.