23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous of times and reporting descrepencies my financial institution and Zelle has failed to investigate my claims adequately.. they informed me recovering funds were impossible to track any transaction and it was unfeasible .. they neglected to protect consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to equifax, XXXX, and XXXX regarding an inaccurate account on my credit report by XXXX XXXX and XXXX. Not only is the account not mine but the I allegedly opened the account is not even the same on all three bureaus and the date it was supposedly reported is all different as well. I have no knowledge of this account, no recollection of a contract with XXXX, and to my knowledge the fact that the bureaus are furnishing and reporting inaccurate information is a violation even though I was told not so and a violation of the FDCPA section 807.
Product: Credit reporting or other personal consumer reports

I noticed some information on my Equifax account is wrong which includes my birthday and a random address. That false information is ONLY on my Equifax account and no other agency. I contacted them about what I should do to fix it. On XX/XX/XXXX I sent a copy of my social security card, current rental lease, and a picture of my current drivers license. I sent information in because that is what they asked for. To be honest they only required XXXX pieces of information, I voluntarily sent my current lease. I didnt hear anything from them after a few weeks so I called and they claimed that they didnt receive any of my information. So on XX/XX/year> I resent the information but certified this time. After a couple of weeks I receive a letter in the mail from equifax but they were asking for the exact same information I sent twice. So to me it seems like equifax is playing games. This is my last solution before I hire a lawyer. The equifax representative explained to me that they get information about people from so many different companies, so she wasnt able to tell me who reported that information. I stated that it doesnt makes sense to change my personal information when all the other documents they see shows my correct birthday and so does my drivers license. There was also some random address on my account. In the same place where you can see everywhere you have lived before, I saw XXXX address I didnt recognize. Mind you, this is all personal information. The representative explains to me that the address is somehow connected to the wrong birthday on my account. I said, so you actually can tell me where the info came from. I said I have never lived at XXXX XXXX XXXX in XXXX Texas, and that is not my birthday so there for its not me. I said, to change my BIRTHDAY on my credit file would literally mean that XXXX a whole different person. How is it even possible to change that information. It shouldnt even be possible, we only get XXXX birth day. 
XXXX upset that it even takes all of this. 
It seemed like an easy fix to me but I guess I have to complain and then go to court just to fix my personal information. 
Because Equifax has claimed they havent received my documents, that can only conclude the address they gave me was incorrect and now some random person literally has my social, lease, and drivers license. With that ALONE, we have a problem. 
The Letter Equifax sent was type on XX/XX/year>. It just arrived in my mail today which is XX/XX/year>. 
I Sent the certified mail on XX/XX/year>. 
That tells me that they DID receive my personal documents. 
How many more times are they going to ask for the same documents?? Instead of just adhere to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952. I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance details 0 %  paid off Balance {$430.00} Balance updated XX/XX/XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Product: Credit card or prepaid card

There was a credit card taken out in my name with a debt of over XXXX grand and Im trying to resolve it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because I recently checked my Consumer Report and I noticed that some errors and inaccuracies reporting. I have been impacted in a negative way because of the Equifax Data Breach. Also, the collection companies that are involved failed to notify me 5 days it report on my consumer reports. According to 15 USC 1692g validation of debt, the collection agencies my rights were violated. My privacy has been violated as well. Another thing is that I mailed this to them XX/XX/2021 and Its XX/XX/2021 and I have not received a letter from them and they have not issued a notice of dispute on the accounts and its well over 30 days. This has been haunting me for a few years but Im just realizing what the issue is thats hurting and its very frustrating and depressing. As a result I cant get reasonable insurance or a place stay because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX University in XXXX of XXXX. My loan was for XXXX I never attended XXXX XXXX in XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.
Product: Mortgage

I am currently working with a mortgage banker with Chase bank and waiting for a closing date. i locked in on a fixed rate back in XXXX that is about to expire after 60days which will be next week. i have provided the mortgage banker all the documents requested in a timely manner. for the past month of XXXX, the banker has told me that they are in the process of verifying my employment. as of Tuesday XXXX/XXXX/15 afternoon, my job 's HR informed me that they have contacted the bank has verified my employment. as of now, i have not heard from my mortgage banker and when asked about any updates, he has not been able to provided me information on the status of my home loan. at this point, i feel that my mortgage banker is giving me the run around and wants the fixed rate to expire next week so that i am forced to pay a penalty and forced to take on a different and higher mortgage rate. what should i do at this time? can you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with Transunion, XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Delinquent student loan accounts that has a {$0.00} balance, Open accounts Payment data history does not coincide on any accounts, Revolving account creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to fix errors and fraudulent information on my credit report. I have been disputing these items for 6 months and they have not responded to any of my requests and keep sending me postcards stating they are unable to locate my file although I have a full credit file with Equifax. In addition, I have provided identity verification each time I requested Equifax to verify the accuracy of items that were reported inaccurately on my Equifax credit file. Equifax has refused to process my disputes I have provided Equifax my police report and they have violated federal laws by not responding to my credit dispute yet continually sending postcards stating I don't have a credit file Equifax is violating federal section 623 guidelines related to furnishers of information. The below accounts are fraudulent and by law should be blocked from my file immediately, In addition, these items are listed in an identity theft report with the police department Fraudulent Accounts : XXXX Original creditor : XXXX XXXX XXXX XXXX amount {$330.00} ( Medical ) XXXX XXXX XXXX {$6500.00} XXXX XXXX $ {$20000.00} These accounts were listed in 6 separate dispute letters to Equifax that they failed to investigate and they have continued to not investigate action has to be taken against this organization to get them to follow the laws.
Product: Debt collection

ON XX/XX/XXXX I received a letter from the collection company saying i owe on a loan from XX/XX/XXXX in the amount of {$34000.00} this loan does not belong to me, I never cosign for this loan I spoke to my daughter she said she never took out this loan. 

On XX/XX/XXXX i sent a dept validation letter to the collection company requesting information on the loan. 
the collection company sent me back incomplete information on the loan they sent a application promissory note. 
once i received this information from the collection company. I call the collection company on Friday XX/XX/XXXX trying to explain to the company that this was not my loan i never cosign for this loan. the lady i spoke to was very nasty to me on the phone and told me to file charges against my daughter for signing my name to the loan. 
i try to tell her my daughter know nothing about loan. but the lady was just nasty on the phone and hung up on me. 

on Monday XX/XX/XXXX i receive a call from the collection company after i told them in writing to only contact me through mail or email. 
i told the guy from the collection company to follow my request he ignore me and kept talking i told him im at work and to only contact me through mail or email he said no he and kept talking i told him its not my loan and stop calling me so i hung up on him. 

in my dept validation letter i told the collection company to remove the remarks they put on my credit report. which to this date they have me in collections for {$34000.00} dollars and have not remove the collection off my report.
Product: Consumer Loan

I have sent CAPITAL ONE BANK legal documents like, XXXX Affidavit, Promissory Notes. They have told me that they shedded all the paper work that i have sent to them. That told me they do n't deal with that, they the documents had to go to some place else. Those were legal Notarize Documents. they Should had forward them to the correct place, or sent them back to me, They never rebutted my XXXX Affidavit. They have violated some security Laws. That XXXX stand truth in XXXX if not rebutted. You do n't destroy legal documents, it is against the law.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card or prepaid card

This past month I received a XXXX monitoring alert that KOHL 's had put a 'hard inquiry ' on XXXX even though I processed a 7 year Fraud Alert, a security freeze and pleas with them that this was FRAUDULENT and the hard inquiry needed to be removed. 

They told me they don't remove them, I would have to call the credit reporting agency, but they would CLOSE my account. CLOSE an account I never opened. 

I tweeted that I was going to report them to the CFPB because the inquiries from fraudulent online applications caused my XXXX of XXXX to drop to XXXX even though NONE of the hard inquiries are legitimate. 

I am tired of these credit card companies not taking responsibility to remove a hard inquiry I never initiated. All KOHL '' S is interested in is finding customers who want to get credit at 29 % interest and not doing what is right. They don't apologize for their arrogance and damage they cause by refusing to remove it. NOW they say it will take 120 days to do it, " if '' they do it at all. Outrageous!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I have written several letters to Experian requesting that they correct and remove the following inaccurate personal information from my credit report : The following addresses, XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, Wi XXXX XXXX The following inquiries XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ) XXXX ( XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I also filed a complaint with the Cfpb on XX/XX/XXXX about this same issue with Experian and they still have failed to resolve these issues. They are in violation of Section 1681e ( b ), ect Accuracy of Report of the Fair Credit Reporting Act.
Product: Checking or savings account

I wanted to transfer my money from BMO ALTO to a XXXX XXXX account, which has been established within my BMO ALTO account, which was opened in XXXX, XXXX. 

I have spent hours on hold to speak with an agent authorized to unfreeze my account. I have not once talked to any agent that can assist me. After being on hold for around XXXX minutes, there is a message stating there is no one available to help, leave a message. 

I have left over XXXX messages over XXXX  days. 

No call back. 

I have over XXXX in this account and I need access to it. As of now, I can not even sign in to the account, as it is frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX US Credit Card division places a 26 % APR on credit cards ... ..these are predatory percentage rates similar to a " pay day loan '' rate. Also, whenever, you request a credit line increase from this company, they place a " hard credit inquiry '' on your credit report. 
I have XXXX credit cards. All are at a zero balance. I have an XXXX credit score. Every " hard pull '' credit inquiry hurts my credit and stays on my inquiry with the bureaus for 2 years. 
This punishes a customer for asking for a credit line increase. Every other credit card company uses a " soft pull '' for credit line increases or history with the account for the purpose of credit line increases. I do not accept these " hard inquiries '' being placed on my credit file. I have a PERFECT record with XXXX on all 3 accounts with their company. However, I have 6 " hard pulls '' on my credit file for asking for credit line increases which have always been approved. But, I don't want or accept the " hard pulls ''. 
This action must stop. It hurts the consumer 's credit rating by doing a hard pull and stays on their file for 2 years. I've contacted XXXX but they state this is their SOP and it will remain this way ... .PERIOD.
Product: Checking or savings account

I open a chase checking account on XX/XX/XXXX. 

I deposited two checks on XX/XX/XXXX. 
XXXX for {$820.00} and the other for {$750.00}. 

The bank put my checks on hold until XX/XX/XXXX for the following reasons : Info received from the paying bank or due to information we have within our own files. 

On XX/XX/XXXX I told the bank if they can cancel my deposit so I can just go to the issuing bank and get my money the same day. They will not cancel and I just have to wait till the XX/XX/XXXX because they want to make sure they get the XXXX 

On XX/XX/XXXX the check for {$820.00} did not get paid for insufficient funds. I trusted the person who gave me the check an unfortunately he lied to me about the account having the funds to cover the check. 

Now on XX/XX/XXXX the check cleared for the {$750.00}. The issuing bank paid the money and chase is holding my money and doesn't not allow me to get it. They lied to me and they requiring for the person who wrote the check to contact them before I can get my money. This is outrages for them. They are holding my money & lend it out and making interst on it until they won't to give me my money back. I told chase I can provide them of anything they need about me. I provide then with all info they need to open my account. They have personal information. I DONT HAVE ANY CONTROL ON THE PERSON WHO WROTE ME THE CHECK NOR DUE THEY. The issuing bank has there information and if they had a issue with my check they would have check with there client. They paid the money because everything was good. I told chase you made me wait 10 days and I did and the money was cleared by the issuing bank and they no right to withhold the money they received for me. It's not there money, so what give them the right to hold my money. They need to pay me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed in correcting all 3 credit bureau 's pretaining to my mortgages.they have lied and lied over again since XX/XX/XXXX one month after I had the U.S. bankruptcy court in XXXX XXXX XX/XX/XXXX to re open my bankruptcy case of my reaffirmation that the judge made them sign and file by XX/XX/XXXX XXXX has only reported to XXXX  reporting agency.they lied about reporting payments to Transunion, & XXXX.these reporting agencies and I have been discussing this issue since XX/XX/XXXX is when XXXX XXXX was ordered to start reporting my payments and add my mortgage payments back onto the tradeline.XXXX has cause me a great deal of mental stress and they need to be seriously sued in a court of law.XXXX XXXX knows I'm trying to refinance my home in XX/XX/XXXX and they are blocking this from happening with another Lender ... they need to be seriously fined by the CFPB.as soon as possible.they are big Lyers.
Product: Student loan

I made a large payment to pay down the principal of one of my student loans. Nelnet does not recalculate automatic loan payments and make it unnecessarily onerous in order for them to recalculate automatic loan payments. I 've contacted them twice with regards to me paying down the loan while the automatic payment amount has gone unchanged. This varies very differently from other student loan service providers I have used, specifically XXXX XXXX. In addition, Nelnet does not allow for me to change the automatic payment myself, so regardless of how much I pay they will continue to take additional money out of my account to force me into shortening the duration of the loan rather than lowering my monthly payments. I have already submitted a letter indicating I do not want to advance my payment schedule, they continue to ignore my requests.
Product: Debt collection

I am writing to file a formal complaint against Calvary Portfolio Services for their unlawful actions regarding my consumer reports with XXXX, XXXX and XXXX and their violation of federal laws. The details of my complaint are as follows : Unlawful Reporting of Alleged Debt : Calvary Portfolio Services unlawfully reported an alleged debt onto my consumer reports with XXXX, XXXX, and XXXX. Under the New Rule REGULATION F, which took effect on XX/XX/XXXX, Calvary Portfolio Services has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. 

Violation of Cease-and-Desist Notice : On or about XX/XX/XXXX, Calvary Portfolio Services received a cease-and-desist notice from me instructing them to immediately halt all communication regarding the subject matter. This notice explicitly outlined the only three permissible ways for them to communicate with me regarding this purported debt according to federal law. Despite this, Calvary Portfolio Services sent me a direct notice dated XX/XX/XXXX, which states : Dear XXXX XXXX XXXX XXXX Cavalry is in receipt of a letter of dispute on the above-referenced account. Pursuant to the Fair Credit Reporting Act ( FCRA ) and in acknowledgment of the dispute, we have requested that consumer reporting agencies report the account as disputed. This notice is being provided solely for the purpose of responding to the dispute. This is a clear direct violation of 15 USC 1692c ( c ) Ceasing communication! 

Violation of FCRA Section 623 ( a ) ( 7 ) : Calvary Portfolio Services violated my rights under Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681s-2 ( a ) ( 7 ). Specifically, this section mandates that a financial institution must provide a notice to the consumer when it furnishes negative information to a consumer reporting agency. To date, I have not received any such notice from Calvary Portfolio Services Who is acting on behalf of XXXX, regarding the negative information they have furnished about me to the consumer reporting agencies. This failure to provide the required notice constitutes a clear violation of the FCRA. 

I request that the CFPB take immediate action to address these violations and hold Calvary Portfolio Services accountable for their unlawful actions.