23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Tried calling customer service and was told by the manager XXXX that she was unable to connect me with management to discuss my fee issue. Was told that I could not speak to anyone at a higher level and that I would be charged a fee to get a check printed in the branch and that if I withdrew cash that I would be limited on my withdrawal. I was told if I closed my account and reopened a new account I would be given new checks at no cost. She refused to connect me to anyone in management that could look into my issue further.
Product: Checking or savings account

I went to the Branch to see about protecting my assets and talked with Banker who setup the savings account on XX/XX/2022. XX/XX/XXXX I filed a claim with Chase Bank. 2 weeks later the claim division said that the could not escalate the claim, even said they could not get in touch with the Banker who setup the account. I put them on a conference call because they were dialing the wrong number. A week later Chase Bank denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian insulates themselves from consumers so that there is no way for a consumer to speak with a human on the phone. There needs to be a law that these credit agencies that harvest our personal information without our permission must provide a phone number with a person to speak with to resolve issues. 
I attempted to put a credit freeze on my acct with them and after filling out their online form, got an error message that said " Experian can not honor your request ''. There was no explanation why. They then said I needed to send all of my personal information through the mail to them ( Soc. Sec. number, full name, address, D.O.B, copy of gov, issued Id, copy of utility bill, etc ). This is not information I want getting into the wrong hands. I'm furious that this company is allow to use our ( american citizens ) person information for profit without any accountability. 
So I sent them a written request through the mail to freeze my credit. Instead of mailing me a confirmation that my acct has been frozen as requested, they sent me a credit report??? 
What am I supposed to infer from that? Is it a generic form letter they send to everyone for any inquiry with them, Did someone at experian make a mistake and issue a credit report instead of freezing my credit? I have no idea because Experian will not provide a phone number where the public can speak with a human. I would love to see a class action lawsuit against this company.
Product: Money transfer, virtual currency, or money service

Zelle send money when I do not send the money. Or it takes out money when I do not approve
Product: Debt collection

For the past 2 months, calls all time of the day on house and my cell phone. They will not work with me on the day that I can pay something on my account. They want to know who's paying my bills since I can't pay them. Over 10 calls a day on house and 10 calls a day on cell phone.
Product: Mortgage

My mother has a property that she wanted to transfer to me ( her daughter). The house is mortgaged through BECU. BECU referred us to contact "Assumption Department" for this process or loan transfer. The process started in XX/XX/XXXX and we were told it would take 60-90 days. We paid the required fee of XXXX. In XX/XX/XXXX, a year later after the process started we were told the loan is denied because I do not have sufficient income. The bank is in the position to accept and deny whomever they choose based on the "bogus" calculation of debt to income ratio that they have refused to disclose in writing. If there is nothing to hide, there is no reason why they wouldn't want to disclose this information to us. My hourly rate is over $XXXX/hr and I can work flexible hours.  I am not self-employed and does not work for multiple companies; therefore studying my income should not have taken a year. Therefore, their rationale does not make any sense. Moreover, I have even received a name of a title company giving me the impression that they are more likely will accept my application.  

What is even more frustrating is that a process that should have taken 60-90 days turned into longer than six month period. I have mailed materials that they have requested to them at least three times; I have emailed their team over a dozen time and even went to BECU to get updated on this loan. If you call their department, your chance of speaking to someone is slim to none. This is supposed to be a bank that is FOR the community. I expect this kind of behavior from a private sector not from a "credit union"

Lastly, I am not new to home loan applications. I have been through a home loan application process more than once with different banks. By far this has been the worst experience. 

I don't expect anything from this bank. I just want others to be aware of how they process information and to stay AWAY from BECU LOAN or "Assumption Department"  Because (a) the 60-90 day is misleading (b) they will ask you for million pages of documents just to deny your application a year later. Keep your peace and do your business somewhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I received a letter from XXXX to dispute the denial of an apartment due to Experian Credit Bureau placing a freeze on my credit. I did not give Experian permission to freeze my credit nor did I request to freeze my credit. 
I am an Authorized user on my mother 's XXXX XXXX credit card since around XX/XX/XXXX. Since receiving that credit card XXXX   and XXXX Credit Bureaus both report the status of that credit card every 30 days since XXXX. Experian refuse to report the XXXX XXXX credit card and also refuse to report a credit score to my credit report. I have been denied a mortgage twice this year because of " Not enough Credit '' Experian does not report any score. I have spoke with Experian 's customer service and Dispute department every 2-3 weeks since XX/XX/XXXX. Experian stated that XXXX XXXX need to file a " Reinsertion Form and send to Experian. XXXX XXXX states they have never heard of such form. I have been going back and forth since XX/XX/XXXX. My XXXX XXXX Credit card is in very good standing and I want it reported. I was also told by Experian that I needed to get a membership to have easier access. Experian deduct XXXX every month from the same credit card they seem to not have knowledge that it exist. This problem is a huge negative impact on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry I never authorized and I was not aware of. 
This is the inq. reporting on my transunion XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX
Product: Credit card or prepaid card

I opened up an AMEX Platinum credit card account in XX/XX/XXXX. The card has an annual fee of {$550.00}. The offer I accepted included XXXX points to be added to my account if I spent more than {$5000.00} on the card in the first three months of use. I exceeded that amount easily. It is now approaching six months since I first opened the account and the XXXX points have still not been added to my account. I have made multiple phone calls to AMEX, the latest on XX/XX/XXXX. I also had a " chat '' communication with AMEX on that same date. Each time I have contacted AMEX I am told to wait 6-8 weeks but they, as of today, still have n't done anything about adding the points to my account. I have attempted to make contact with the department that handles the points but have been told that I can not speak to them. The AMEX Platinum card, one of the so-called " premium '' credit cards, has a steep annual fee of {$550.00}. You would think that AMEX would be a little more proactive in honoring the deal they offered. They sure were n't shy about collecting the {$550.00} on the very first statement.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my permission, which has negatively impacted my XXXXredit score. I reached out to TransUnion, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

i got account an inquiries that are inaccurate and need to be removed form my report asap!
Product: Debt collection

I received a letter from a debt collector stating I owed XXXX from a medical provider. I mailed a letter to the debt collector asking them to verify the debt. I requested dates of services, reason for the visit, and proof of previous payment. When I went to the Dr. 's office any out of pocket cost was paid at the time of the visit. I never received any bills, letters, or calls from the Dr. 's office.

I received a letter back from the debt collector stating " When an undisputed account is listed with us for collection, it is deemed to be due and payable in full. If you need time in which to secure the balance due, call or visit our office so that a reasonable extension of time may be granted ''. 

This collections agency never supplied me with my request, basically they're stating if the debt was placed with them then the money is owed.
Product: Credit reporting or other personal consumer reports

I requested on XX/XX/year> for the Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and validate the account and provide me with a copy of my wet ink signature and I have not receive nothing from anyone to this day. I have never done business with neither of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reported five times. I stated I would get an attorney HE is on standby. 

Couple of issues. My free credit report since your refusing to allow me to download it from the site because your scared it will be forwarded I am asking for it to be mailed. 

In addition XXXX XXXX should have been removed. Seven years is XXXX of 2022. 

Your reporting a score of XXXX. I suggest once again all the accounts that are aged out and over 10 years ago or more be removed. If I have to take legal action against your company I will. 
Mail my credit report out. 
Explain why the credit score is XXXX. 
And remove all accounts that are aged out including XXXX XXXX. 
You disabled the dispute button on my account so each time I need to dispute an issue it will be made public until you understand your role. 
Your role is to provide accurate information.Because of your inaccurate information your organization stopped me from applying for a {$10000.00} loan with the federal government. XXXX XXXX should have been removed yet it was not. I am a consumer as one attorney already said " The law is on my side ''. Continue the games Equifax. We will see who wins. I appealed the federal government decision and since they used XXXX and XXXX during the appeal I won my case and got the loan. So the federal government other agencies are now being made aware of your failure to follow the law.
Product: Credit reporting or other personal consumer reports

XXXX is reporting my score at XXXX. Which is correct as my identity has been compromised. Multiple request have been submitted to Experian and they have failed to complete a thorough investigation. They have failed to provide me with all measures they have taken to investigate the matter and still have not changed my credit score which has prohibited me from getting a car loan and being approved for a mortgage loan.
Product: Credit reporting or other personal consumer reports

I have observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite these deviations, I refute your allegations and challenge you to furnish evidence supporting your right to report this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information with integrity and accuracy, along with conducting reasonable investigations of consumer disputes. 

As outlined in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any deviation from reporting standards jeopardizes the integrity of the data. This implies that reporting errors can compromise the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am formally challenging these claims and requesting proof of proper reporting standards. 

Your actions are a violation of my rights, and I have outlined the concerns about your reporting in this document. The incomplete and non-compliant nature of the report fails to meet legal standards, necessitating certification of all aspects of required FCRA/Metro 2 compliance. Failure to comply will result in escalating these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX  {$400.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX {$530.00} XXXX XXXXXXXX {$530.00}
Product: Credit reporting or other personal consumer reports

LexisNexis and XXXX continue to report information that I have requested to be fully verified and removed flor lack of proof. I requested on multiple occasions by mail online and over the phone they could not fully verify my information according to the law with a contract, signature, ID with my name on it proving the debt belongs to me, and a contact of the person they spoke with. They keep verifying the Bankruptcy however it is not verifiable. Bankruptcy Rule XXXX Privacy Protection For Filling with the Court and Privacy protection Act of 1970. Violation 5 USC 552a & 31USC 3711 ( e ). No one can call the court and ask for the information and the information online is redacted meaning no information can be verified. So they can not keep claiming the debt as mine when they can not verify the debt. They are also posting Charged off debt. According to the IRS Topic 431 Canceled Debt, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount owed, the amount is taxable. if taxable, you must report the canceled debt on your tax return for the year it is canceled. According to the FCRA of 1970 Law 15 USC 1681-1681x Income can not reported on your credit profile. So for that reason all of my charged off accounts must be removed according to FCRA.
Product: Checking or savings account

Wells Fargo just up and closed my account for no reason at all and I never received the amount of money I had in my account when the wells Fargo company closed my account
Product: Credit card or prepaid card

on XX/XX/21 I received a text message from Bank of America that a transaction from XXXX was declined for XXXX . When I checked mybank of America account online I saw that there are other transactions that were completed, but I did not complete them. I figured someone stole my credit card information. The thief bought things from XXXX and XXXX for approximately XXXX . I deactivated my credit card and had a new one from bank of America mailed to me. I filed a claim with Bank of America that is currently under investigation. Can you helpd me solve this fraud situation, please? thank you!
Product: Debt collection

I do not understand if I had a balance at the time of charged off of balance of {$1400.00} was due on the account at the time of PRA 's purchase. how do I owe more than 3k
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX XXXX listed as a charged off, incorrect dates. 
Bank XXXX XXXX XX/XX/XXXX, paid by collateral, listed as charged off, incorrect information XXXX XXXX XX/XX/XXXX, paid, listed as charged off XXXX XX/XX/XXXX, paid, derogatory remark XXXX XX/XX/XXXX, paid, derogatory remark XXXX XXXX ( XXXX listed ) Paid, company no longer as this account, was paid by insurance from accident. 
XXXX  XXXX XX/XX/XXXX, paid, listed as a charged off These accounts are in question. 
My only addresses are XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXX XXXX XXXX CA XXXX I only work for XXXX.
Product: Credit reporting

I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. 
I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail. 

thanks, XXXX
Product: Money transfer, virtual currency, or money service

I have had a cash app account for sometime and I received requests from two people I did not know have never heard of or had any dealings with and I declined them and Cash App closed my account. I have tried to contact them in regards to this and they keep saying that they sent me an email when they did not I have checked all of my emails spam included and nothing there. They say they sent me email and they closed my request and reopen it I have done this twice had to wait two months for this to happen and they will not do anything about it I did not violate their terms as they say because why should I pay for somebody pay money to somebody I dont know. There was no reason that they close my account and therefore I want it reopened so I have access to Cash App
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX  XXXX XXXX to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Debt collection

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting or other personal consumer reports

I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Please update to my full legal name XXXX XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XXXX 
My only employer is : XXXX XXXX XXXX. 
Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate.