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

I am a social security retirement benefits recipient.i receive my benefits on a direct deposit into my DIRECT EXPRESS CARD from COMERICA BANK. I have had their debit card for almost three months and it has been nothing but problem after problem. recently they put a fraud suspension on my account and i can not use my card and my SSA benefits payment for the month of XXXX are in that Direct Express Card. Since i can not have access to my SSA benefits money that are in that card, I keep on telling them to simply cancel that card and account a mail me the funds in it to my mailing address they have in file in my account info profile. They tell me they cant. I keep on sending them identification documents and they claim they cant veryfy. this has happened twice and i just dont want to deal with them. how can i get my funds out of their card and sent to me by mail to my address on file? isn't it federal banking law that they have to send that funds to the address on file? I have heard nothing but bad comments and complaints on this COMERICA BANK known as US DIRECT EXPRESS. Need your help. My last four digits on my Social Security is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at XXXX, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with Transunion and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. Transunion 's credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Good Day I filed a XXXX XXXXXXXX bankruptcy in XXXX which included delinquent mortgage payments. The bankruptcy was discharged and I never reaffirmed this debt. My mortgage company has been aquired by several companies before XXXX XXXX and theyre the only company who has reported it on my report. I reached out to them several times explaining the situation and they refuse to remove it and they continue to report since XXXX of XXXX. I dont know what else to do. Please advise if this can be removed from all credit bureaus. 

Sincerely XXXX XXXXXXXX XXXX
Product: Debt collection

XX/XX/XXXX, XXXX in XXXX, CA turned over my debt of {$1000.00} to Creditors Speciality Services ( XXXX, XXXX, OR XXXX, XXXX ). In XX/XX/XXXX, Creditors Specialty Services contacted me to collect the debt. In the meantime, I had already paid {$600.00} to XXXX because I did not know my account had been turned over to collections. 

Creditors Specialty Services instructed I could pay the remaining {$420.00} to them. On XX/XX/XXXX I paid {$420.00} over the phone with my debit to Creditors Speciality Services. I have a bank statement to prove this. 

As of XX/XX/XXXX, more than a year later, Creditors Specialty Services has not paid XXXX the money that I paid. XXXX is holding my car title hostage until Creditors Speciality Services pays them. 

After contacting Creditors Specialty Services, I have learned that their owner was fired for fraud and theft. 

Creditors Specialty Services is a fraudulent debt collector.
Product: Debt collection

I sent this company numerous communications but all they ever did was sent me a invoice.This collection, originally reported by XXXX XXXX XXXX was removed by XXXX XXXX XXXX. This collection agency refuses to remove. It's even been updated to say IN DISPUTE. Why not say placed in error and remove it completely. This charge is the result of inaccurate billing and even though slow in doing so, was corrected by XXXX XXXX XXXX. 
Since this reporting is inaccurate, there is NO supporting docs that can be produced and fabricating an invoice is not appropriate. 
The truth also is that because of this companies failure to respond with requested support docs in a timely manner it is unfair that this is still allowed to be reported. 
I first requested an investigation back in XX/XX/2019 YET they failed to provide docs. 
CAN'T - NOT A VALID COLLECTION ATTEMPT I've sent numerous request for removal even certified mail but I get no response. 

SETTLED /PLACED IN ERROR/ PAID AS AGREED ( Accurate charges with XXXX XXXX XXXX =JUST ASK XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never had a XXXX account this is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I have been a victim of identity theft. I rarely ever check my credit and my girlfriend checked it for me for my business and saw several items that we were unaware of. There is debt on accounts that we never took out. Please help me because this is hurting my ability to buy more XXXX  for my XXXX  company.
Product: Credit reporting or other personal consumer reports

There is an unauthorized inquiry on my credit profile. I have requested they remove the unauthorized and unrecognized inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies obtained my report without my consent or knowledge XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent a request to verify two bankruptcies on my credit report the information that appears is incorrect and was verified through a 3rd party and I wanted the information to be directly verified with the court the following was sent to the credit bureau by certified mail and included a copy of my driver license and a utility bill XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Direct Verification of Bankruptcy Information Reference : XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the information related to bankruptcy case XXXX XXXXXXXX as reported on my credit report by Equifax. Specifically, the filing date listed for the bankruptcy is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I request that Equifax directly verify this information with the court where the bankruptcy was filed and provide me with evidence of the accuracy of the information, including a copy of the original court documentation reflecting the filing date. 

If Equifax is unable to verify this information through direct contact with the court or provide proper documentation of the filing, I request that the inaccurate information be removed from my credit report.

Please treat this as a formal dispute, and I would appreciate a prompt response within the 30-day period allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been addressed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Request for Direct Verification of Bankruptcy Information Reference : Bankruptcy Case XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the information related to bankruptcy case XXXX XXXXXXXX as reported on my credit report by Equifax. Specifically, the filing date listed for the bankruptcy is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I request that Equifax directly verify this information with the court where the bankruptcy was filed and provide me with evidence of the accuracy of the information, including a copy of the original court documentation reflecting the filing date. 

If Equifax is unable to verify this information through direct contact with the court or provide proper documentation of the filing, I request that the inaccurate information be removed from my credit report. 

Please treat this as a formal dispute, and I would appreciate a prompt response within the XXXX period allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been addressed. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

First I filed a fraudulent purchase with my debit card which lead to needing a new debit card. A XXXX purchase made that I did not do happened. I was told a report would be opened and I would be contacted in 5 days. Im the meantime I was told I could get a new debit card at any Webster bank location in CT or have XXXX mailed in XXXX days. I opted to go to a branch location. 3 days later I went to a Webster location and was told I could NOT get a debit card in person that one had to be ordered. It would take 7 days. So I did that and took cash for the week out. I think was told by my child care my payment tied to my checking account ( NOT debit card ) would not go through for 3 weeks. I called Webster and they dont see the transactions attempted. They also transfer me to the fraud department who I could not get to someone because I couldnt enter the debit card information. So I hung up and went to a Webster location-Now 10 days with no debit card and 7 days since debit card was ordered. They tell me 10 days for a new card. I mention my issue with child care and she goes oh your routing number changed but your checks are still good. So I now have two routing numbers. I ask how I know what transactions will go through with my old routing number and she says anything you used prior to the change if its a new account you have a new routing number. However, my mortgage company changed and that went through fine even though I made the payment after the XXXX of XXXX. So I call Webster to complain and ask why I have two routing numbers. And they say I got a letter. I tell them no my letter says that with the Webster bank change this summer both my routing and checking were staying the same but you somehow gave me a second routing number that is only needed sometimes. She tells me I have to go to Webster again and request in person a copy of the letter because I didnt get one and they cant do that from a phone request. This would be a third trip to the bank and has been the 3rd phone call. The routing number stated on Websters website is my old routing number.
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of the following accounts that appear on my credit report, as allowed under Section 609 of the Fair Credit Reporting Act ( FCRA ). The information below appears to be inaccurate, and I am requesting proof of verification to support its continued presence on my credit report : As per FCRA 609, I am requesting copies of any contracts or agreements that you have on file that demonstrate my responsibility for these debts. If you are unable to provide the necessary verification documents, I request that these items be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I contacted Experian to inquire why my XXXX XXXX XXXX Mortgage account was not showing on in my credit file. I was told by two different Experian customer service representatives that XXXX XXXX didn't report to them. I contacted XXXX XXXX and was told that they do report to Experian and that it must be something going on with their system. I called back and told Experian this on XX/XX/2018 and they didn't investigate just told me again it was because XXXX XXXX didn't report my mortgage account to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Who is this Company to request all this information State Police, FBI, FTC etc. This is fraud Company. FTA sued this company about selling peoples information to private companies about peoples data in million .

Equifax Inc. has agreed to pay at least {$570.00} XXXX, and potentially up to {$700.00} XXXX, as part of a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau ( CFPB ), and 50 U.S. states and territories, which alleged that the credit reporting companys failure to take reasonable steps to secure its network led to a data breach in 2017 that affected approximately XXXX XXXX people. 

I think ( CFPB ) remember this or not they have this in there system or not this is fraud bureau who take peoples information themselves and placed freeze in there credit report and when peoples request them to take off freeze from there credit report this fraud credit bureau request peoples information same as like my, copy of my social security card, copy of my driver license, W2 form, and other information so they can sold these to private companies to make money. 

This fraud Equifax not like that peoples receive credit cards offers this Equifax can give free money to peoples but not helped them to receive offers from credit card companies to offers credit. 

So I request CFPB to reopen my case and canceled Equifax request and take off freeze or fradulent alert or something which fraud Equifax placed in my credit report so I receive credit card offers in mail. 

Thank You, XXXX XXXX
Product: Checking or savings account

On XX/XX/22, I was contacted by a Citibank robocall telling me that my savings account was overdrawn. I preceded to go to a local Citibank Branch to inquire what had happened. Upon my arrival, XXXX XXXX, a Citibank employee preceded to assist me with my inquiry. Upon reviewing my savings account, it was discovered that all money had been taken from my account. It was discovered that someone had enrolled me in Citibank online bank system without my knowledge nor consent. ( BE ADVISED THAT I HAVE NEVER ENROLLED IN CITIBANK ON_LINE BANKING SYSTEM ) The individual proceeded to write a series of checks addressed to me and deposit them into my account and then withdrew the money that was deposited. Being that I had a balance of over {$40000.00} dollars in my account, it was able to cover the checks that were deposited and Citibank issued the funds to the individual. 

Currently, Citibank Fraud Department is reviewing my case and will contact me in writing with the results of the case. 


This was a classic case of Unauthorized Online Wire Transfers. 
Currently, I have no money to pay my bills and I'm in a dire situation. I hope you can assist me in getting my money back from Citibank. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS
Product: Mortgage

The XXXX Loan Care website has been consistently down for over a week. The app does not work either. I have screenshots as proof. Because of this, I am not able to make my mortgage payment and I find it unacceptable and will be challenging Loan Care legally if late payment is reported to credit bureaus. I tried calling and was disconnected several times. I was able to make a payment on the phone, but the website does not reflect this nor did I receive a confirmation email. Now I am worried that the website and mortgage provider has been hacked. My payment was due on XX/XX/2023 and I have been trying over and over to pay it all month especially the last week with no luck. I can not connect with a representative at LoanCare as when I select this option, the call auto disconnects. The website is full of errors and messages that say " oops something went wrong '' or " error try again later ''. I literally can not make my payment and I am now approaching 30 days late. This isn't fair and certainly should be illegal.
Product: Debt collection

I have been going back and forth with Navient, as well as a dirty tactic collection firm named XXXX and XXXX, as per the XXXX XXXX Courts reps I have spoken to. I currently have XXXX private student loans showing on a record pulled by my credit union that are showing as court based judgements, even though I have worked with Navient to get these corrected. I spoke to a rep in their executive services office who worked with me to get them out of the judgement/collection, supposedly out of the office of XXXX and XXXX and off my records. I was illegally garnished for almost 2 years and this was lifted based on Navient FINALLY pulling it. Once pulled, they told me they would be off my record, back in their office and out of XXXX and XXXX, which none of these things have happened. I still have them on my records, have been unable to defend loans which ARE NOT mine and they are still illegally listing them under judgements, which they said would be lifted. I was never served papers in order to defend myself, never given my day in court to force them to prove they are all mine ( Which most are not ) and Navient has failed to live up to promise after promise to fulfil what they said they would. They consistently state " Under court terms '' and throw these complaints out, which is unfair to me. If they are not pushed to follow their own terms, I will be forced to join some class action lawsuit against them for their lying practices, when all I want are these off my records. These are causing me to be unable to buy my mothers home, which was offered to me and are causing me irrefutable damage.
Product: Vehicle loan or lease

I waited for XXXX  years for the opportunity to order my XXXX XXXX XXXX truck. At the time of my reservation, the vehicle was priced significantly lower. I watched as prices went up supposedly went up with public statements by Ford claiming supply chain issues, manufacturing problems, etc. I relied on these public statements as to why the costs skyrocketed when I made the decision to continue the purchase. I trusted Ford was being an honest broker with their product. In XXXX of 2023, I was able to order my vehicle at an MSRP of {$88000.00}, which also put this vehicle outside of the range of qualifying for the Federal Tax Credit. I picked up vehicle and taxes and fees included spent {$94000.00} on XX/XX/2023. A few days later, XXXX  days later, I learned through media that Ford had lowered the price of my exact vehicle by {$8400.00} as a base MSRP. This is a fraud and price gouging. I expect small fluctuations in pricing, but not that amount, which is just price gouging. Ford has harmed me by intentionally lowering the price of the vehicle and instantly de-valuing my vehicle on the open market, charging me more than a vehicle owner just 17 days later, and by lowering the price to below the {$80000.00} limit, they have cheated me and other owners out of qualifying for the {$7500.00} tax credit from the Federal government as well as the state incentives where I live for the exact same vehicle that now qualifies for the credits. In all, they have defrauded me {$8400.00} + $ XXXX {$15000.00} plus the financing they provided through Ford Credit which for me is at XXXX XXXX instead of the much lower XXXX XXXX financing for well qualified buyers just XXXX  days later, which I am one. These are not market forces at work. It's fraud, price gouging, deceptive business practices, and intentional devaluing their product and harming me and other owners who were scammed by Ford with these price manipulations on their part.
Product: Student loan

On or around XX/XX/XXXX I called Mohela and requested a refund for the payments made after XX/XX/XXXX. The representative said that it will take 5 waiting days and then within 30 days I will see my refund. I called after a week and the representative said that my request was not even looked at and it will take another 5 days. It has been more than 30 days and I have no response from them. When I try to call, the wait time is over two hours and no option of call back available from them. I would like to know the status of my refund but no way to get to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Transunion credit report on XX/XX/XXXX, I  noticed that there is inaccurate information listed on my credit report from the creditor of the tradeline XXXX. The account is up to date with no late payments, however according to my Transunion credit report, the trade line is listed as last payment is XX/XX/XXXX. I contacted a customer service rep ( XXXX XXXX ) ( XXXX ) XXXX and the representive explained to me that my landlord verified my recent rental payment, and rent reporters has already reported the correct information to Transunion . XXXX XXXX, informed me to check my Transunion credit report within one week and let them know if I can see my updated tradeline. As of XX/XX/XXXX, the tradeline on my Transunion credit report is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-ALLY FINANCIAL # XXXX -XXXX XXXX XXXX XXXX # XXXX