23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have XXXX negative items that are negatively reporting on my consumer credit report that and is in violation of the FCRA codes 15USC 1692e & 15USC 1692g. These are the dates I sent certified letters of cease and desist/ estoppel notices without proper verifying documents with my signatures with said company that is falsely reporting on my consumer report : XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I sent letters to each bureau Equifax, XXXX, and XXXX. They only report " verified by furnisher '' but never provide proof of me legally doing business with collection company or provide me with a binding contract with my signatures. I have never done business with any of he companies reported as " Collections '' nor do I have any contractual agreement with them. Per each tracking number, I do have them as delivered and received. I also tried to delete an address off of my experian account and they refused. Equifax, XXXX, and XXXX are all in violations of compliance procedures, defamation of character, willfully non-compliant, and punitive damages towards and this has caused major personal suffering. 

Once again, I asked Equifax, XXXX, and XXXX to SEND me a copy of the signed contract between me and the furnisher ( s ) to prove the debt belongs to Me and they sent a response that the creditors verified the information as accurate! I need SOLID proof or it needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

There is a XXXX account that is reflecting negatively on my credit from over 10 years ago and is making it hard for me to get a certified loan. There is problem with the XXXX XXXX item as well. I got the car for my ex wife ( she was my wife at the time ), it was in my name. When we got divorced I left the car to her and she said she would continue making payments on the car. She was not able to get it refinanced into her name, nor was she able to make a payment for three months. XXXX  XXXX contacted me in order to pick up the car for repossession. I picked up the car had it refinanced into my name and since have paid off the car. Those three months that the payments wasnt paid for I was unaware of. She didnt attempt to reach me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to follow suit with other credit bureaus. XXXX and XXXX have removed all incorrect information from my credit report. Experian will not follow suit and refused to send debt validation letters with SIGNED CONTRACT WITH MY LEGAL SIGNATURE. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ].

PLEASE FOLLOW SUIT WITH OTHER CREDIT BUREAS AND IMMEDIATELY REMOVE INACCURATE ACCOUNTS OFF MY CREDIT REPORT.
Product: Debt collection

I advised representative I didn't recognize some of the charges on the account. I asked for a debt validation letter was never sent. Also reporting account as open on my credit report. If the account has been charged off should not be reporting as an open account that is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different dates, I submitted disputes to Experian requesting an investigation pertaining to a Bankruptcy that is reporting inaccurately on my credit file. The first letter I submitted requested an investigation, the 2nd and 3rd letter requested documentation stating their means of verifying information ; the name, phone number, position, and address to the company or person who they used to verify the accuracy of this bankruptcy with. On all three occasions Experian sent back letters stating that unless I send them relevant information to support my claim, they will NOT reinvestigate the information again. I am not the one who needs to furnish proof, Experian has a legal obligation to complete a thorough investigation and supply the consumer with all information obtained during the investigation. Experian failed to do that. In their letters, they stated ; " we contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office ''. However, I verified with The bankruptcy clerk at XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, that they DO NOT directly supply bankruptcy or any personal information with any credit bureaus or agencies. 
They failed to disclose the source and according to the Fair Credit Reporting Act statues, the inaccuracy must be deleted.
Product: Mortgage

On XX/XX/XXXX we began the process of refinancing our home with XXXX XXXX XXXX  ( XXXX  ). Then on XX/XX/XXXX, we received our first mortgage statement with the first mortgage payment due on XX/XX/XXXX. We called on XX/XX/XXXX to make the payment over the phone because we had not set up our online account. We made the payment over the phone in the amount of {$2600.00} with XXXX. She took our payment and gave us a confirmation # ( which we have documented ) and we were good to go. Then we created an online account and viewed the website and were content with its ease of use. Then a few days later, we received a notice of Servicing Transfer dated XX/XX/XXXX from XXXX XXXX XXXX. It indicated that the new servicer was Nationstar Mortgage LLC dba/ Mr. Cooper XXXX This came as a shock as we had barely received our first statement from XXXX XXXX XXXX  and no explanation as to why it was changing. The first week of XXXX we received a Notice of Servicing Transfer along with the welcome letter which included the payment stub to pay the first amount due XX/XX/XXXX in the the amount of {$2600.00}. My husband ( XXXX XXXX ) and I immediately called Mr Cooper informing them to add me ( XXXX XXXX ) as a XXXX party to access account information. Then on XX/XX/XXXX, we created the online account with Mr Cooper and even received a " Thanks for setting up an online account '' email. On XX/XX/XXXX, Mr Cooper had still not received our HomeOwners Insurance information which I was told would automatically happen when the loan was transferred but that did not happen. We had to contact our insurance department and prove the insurance coverage and ensure that it was included in the loan. After 1 week of trying to figure all that out we finally received a mail in the letter showing the insurance coverage was added. Then on XX/XX/XXXX when my payment was due I tried logging in to the Mr Cooper account online and I was unable to access it. It kept saying that the account could not be found. TO this day, XX/XX/XXXX I have still not resolved where my payment went and/or getting access to my online account. I have made several XXXX lost count ) phone calls and have been in contact with 1 person who finally gave me his email address with Mr Cooper with no response or resolution. ALL I want is to access my account on line and find my payment that I made to XXXX XXXX Mortgage on XX/XX/XXXX. My bank statement shows it went to them and in the amount of {$2600.00}. In hopes that someone can resolve this soon I am posting this complaint.
Product: Credit card

I was traveling to XXXX in XXXX and needed a credit card with no fees, my branch provided XXXX, So With my banker I applied And was approved with a low interest rate of XXXX % credit of XXXX XXXX XXXX. I've only had the car XXXX  months and was going to make a credit card transfer where the interest rate was at XXXX XXXX percent and I knew my BMO account was very low and would pay my balance very quickly. I then reached. 
Out via XXXX phone number and reach.The gentleman who said that my payment was XXXX and something XXXX.I said what is my minimum payment? He restated it was XXXX XXXX and something that was the balance I owed and he did not have his story right. I then went into the branch because I was very upset about everything going on and wanted to make a hay credit card transfer on to my card with my branch. We reached out and spoke to a gentleman who was in XXXX America.And said that my interest rate was XXXX XXXX plus percent. My bank and I were so confused.We were on the phone for over an hour.He said that my interest rate was based on my credit rate. He continued to say my interest was based on my credit score.My credit score is amazing, Even my banker was confused and we were going to wait for her branch manager to come in.They also put a block on my card and did not contact me.They say they contacted me via phone.But I received so many scam calls. Most of my banks or credit cards will also send me a text asking me if I have charged something, yes or no.This was not done no email no text. So today I received a call from the office of a young lady and she said that I'll have a XXXX percent interest rate. But then the government adds on another XXXX point XXXX percent. How is that even valid. So my interest rate went from XXXX to XXXX XXXX and XXXX months. I have had many credit cards throughout my life.I 'm XXXX XXXX XXXX and never have I heard that.I was approved at XXXX point but the government adds on another. I used to be with XXXX XXXX XXXX XXXXut now they are BMO. So the branch manager will be on XXXX and we are still confused.The bank card company is trying to overcharge me my interest rate. I was approved XXXX interest rate and now given another by the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt with XXXX which was settled with them In XXXX of XXXX. In XXXX, XXXX and XXXX of XXXX, Ive attempted to get them to correct their reporting and each time they correct a small part of it, only to have it reappear on my report weeks later. This is an egregious disservice to consumers and shows Equifax has no desire to ensure the proper reporting of financial data, which can ruin peoples lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had my XXXX credit report done on me ... .and it turns out that my identity was stolen ( back in XX/XX/XXXX/XX/XX/XXXX ) ... .without my knowing ... .and my information was used to open several accounts. I have file a police report stating the theft.
Product: Mortgage

My mortgage was transferred to SLS effective XX/XX/2019. I contacted XXXX on XX/XX/2019 to inquire about the status of my loan. On XX/XX/2019, I spoke with XXXX regarding the payment I remitted on Tuesday, XX/XX/XXXX. He stated that the payment was not reflected on my account. I proceeded to ask him about the status of my mortgage. He reported that its due for XXXX-XXXX  with {$66.00} in late fees and XXXX in uncollected receivable fees. I inquired about the latter and mentioned that it was foreclosure fees. 

I was astounded because this was the first time I heard of this as Ive been in contact with XXXX practically every month since XX/XX/2019 regarding the status of my loan. Several representatives informed me that while XXXX was in bankruptcy, I needed to ensure that all payments were made and that problems would occur if I was delinquent in excess of 121 days. Spoke with XXXX & XXXX on XX/XX/XXXX ; called on XX/XX/XXXX & XXXX ; XX/XX/2019, spoke to XXXX ; XX/XX/2019 spoke with XXXX and called on XX/XX/XXXX. 

I called SLS on XX/XX/XXXX and spoke with XXXX. He informed me that I shouldve received a good bye package in the mail stating that my loan was transferred along with the bankruptcy fees. 
Yesterday, XXXX XX/XX/XXXX credited my account XXXX. The payment I made last week was returned because it was sent to the wrong address!!! 

Im at a total lost as none of this is making any sense and everyone I speak with provide me with different information. No mortgage company should function like this.
Product: Checking or savings account

On XXXX I received a statement for an account in my Company name ( XXXX XXXX XXXX  ) that I didn't open from US Bank. I called US Bank on XXXX and talked with the fraud department about this to get it shut down. The representative froze the account and said I would be getting a request for more information via email. 
I have since filed a report with the FTC, the XXXX, and opened fraud alerts with the XXXX credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent TransUnion via certified mail tracking number XXXX a letter informing them of inaccurate and unverified information being reported on my credit report. I asked TransUnion to remove the inaccurate and unverified account. The accounts have not been removed. On XX/XX/2022 I asked for TransUnion to provide information as to how these accounts were verified via certified mail tracking number XXXX and never received any verification information, and did not receive any information. On XX/XX/2022 I sent another letter to TransUnion via certified mail tracking number XXXX that they have neglected to respond to my letters within the allotted time and had not provided me information as to how the alleged accounts were verified. The continued reporting of this inaccurate and unverified information has severely damaged my ability to engage in basic financial activities like applying for lines of credit and has had a very negative impact on the well-being of myself and my family. 
The alleged accounts that have not been verified and must be removed are as follows. 
XXXXXXXX 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My transunion credit score was XXXX on XX/XX/18. Three days later it dropped to XXXX and it did not pay anything late, in fact I had just paid 30 % payments on all my credit cards, My score should have gone u NOT down. 

My XXXX  score was XXXX. XX/XX/18 and dropped to XXXX on XXXX XXXX My. XXXX had dropped XXXX to XXXX on XX/XX/18
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that zelle 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 transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send numerous letters to Equifax to delete errors on my credit report, no matter how many letters i send, they dont fix anything, i send all letter with a copy of my driver license, social security card and they send a letter saying i must send those docuemnts, i am tared of their irresponsibility and lack of care showing teh following errors : XXXX XXXX  XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl reported XX/XX/XXXX Never lived at any of this address and must be removed consumer statement Fraudulent application may be submitted or my identity may have been used without my consent to Fraudulent ontain goods or services do not extend credit with out first verifying the identity of teh applicant this security alerts will be maintain for 1 year begging XX/XX/XXXX XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX none authorized by me..no documentation that proves i did them
Product: Money transfer, virtual currency, or money service

Complaints : PayPal XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Hello my PayPal account PayPal ( Ref ID - XXXX UNDER EMAIL ADDRESS XXXX has been limited with a balance of {$24.00} on XXXX and holding the amount illegally. Here is the business email that was sent to me. 

( We're unable to continue processing payments for this account We strive to provide our customers with seamless and user-friendly payments solutions. Unfortunately, sometimes we can't process activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. Based on the information we have today, it looks like customers were dissatisfied with activity from this business. What can I currently do with my account? Unfortunately, at this time most of your account features have been deactivated. We may hold any funds in your account for up to 120 day ( s ) to cover things like chargebacks or other financial liabilities. We'll review the account periodically to see if we can release any remaining funds sooner. We'll email you the outcome of each review. You can still view your transaction history, download account statements, or request copies of your data. ) I have no chargebacks or payment disputes on this account. Please release my remaining funds for this account as the amount is being held illegally, also XXXX cant unlink my credit card or bank information while PayPal has locked my account. 
Please correct this issue immediately. 

Thanks XXXX
Product: Checking or savings account

My Wells Fargo savings account and checking account were setup to automatically transfer funds from my savings account into my checking account in the case of an overdraft of my checking account in order to prevent overdraft fees.

( overdraft fee {$35.00} ) The bank changed my savings account to an everyday checking account which could not transfer funds to prevent overdraft charges.

Because of this change from savings to checking ( without my consent ), I was charged over {$400.00} in overdraft fees on my original checking account. ( now having two checking accounts ).

I contacted the bank via phone call to ask the bank about the issue and they claimed their actions were to prevent withdrawal fees from my savings account.

( Withdrawal fee {$15.00} ) The change to how my accounts were set up ended up costing a total of {$450.00}.

The bank claimed to have no record of the overdraft fees on my account although they are shown in my monthly statements.
Product: Checking or savings account

I opened an account with XXXX XXXX after receiving multiple emails explaining the benefits I could attain as a member and subsequently opened an account. I made an initial deposit of {$380.00}, an odd number, but done so purposefully to 'round out ' the primary account from which is was transferred from ; the transfer from my primary bank [ XXXX XXXX XXXX XXXX XXXXXXXX took four ( 4 ) business days, which is unacceptable to me as a consumer. After the transaction cleared [ today ] I immediately requested that those funds [ {$380.00} ] be transferred back to my primary account, and a few hours later my account was 'restricted, ' and I was told that my money would NOT be returned to me. This is illegal and other than contacting this department, the only other remedy I know of would involve contacting the police.
Product: Checking or savings account

Dear CFPB, Please see the attached letter mailed to us by SunTrust. 

All the way back on XX/XX/2019 SunTrust 's XXXX XXXX was to provide our account with {$1800.00} in credit. It is now XX/XX/2019 and XXXX XXXX has not done so. In addition she has ignored all our requests for this to be addressed over the last month. 

In addition, during our multitude of calls to SunTrust concerning this case these last few months at least eight different SunTrust employees, including multiple supervisors, clearly stated that our case would be resolved by the deadline which was XX/XX/XXXX. However, when calling into SunTrust on XX/XX/XXXX the story was suddenly changed to the XXXX. Supposedly the staff member on the phone stated they would escalate the matter to XXXX XXXX as urgent to finally have our funds deposited the next day. However, XXXX XXXX has again ignored the matter and has not reached out to us. 

The evidence of the fraud we promptly provided SunTrust 's employe in regards to this case is clear and undeniable. There is no need of this behavior from XXXX XXXX towards us. 

We are a small family ran business, and this has caused us delays in buying much needed supplies as we lost our relationship with an important vendor after not being able to pay for an order XX/XX/XXXX for we had budgeted in the {$1800.00} XXXX XXXX who on behalf of SunTrust had stated would be in our account the XXXX of XXXX.
Product: Checking or savings account

On Thursday XX/XX/2021 I tried logging into my Chase Bank checking account after receiving an email stating that I recently deleted my phone for use with Chase Mobile. It then stated If you have any questions about this message or believe you have received it in error, please contact us immediately at XXXX XXXX XXXX XXXX. I gave Chase Bank a call and they said that there have been unemployment deposits into the account totaling {$25000.00} over the past year and that they are closing my account and parting ways with me. They said they could not tell my anymore than that and that I need to go into a branch to speak with them about it. They did say to bring records from unemployment as proof of the deposits. I brought those into my branch and the banker called and spoke with someone and then said that they have decided to part ways with me and that he didnt have any details as to why and that they had already closed the account so the proof of the unemployment deposits was no longer necessary. He said that within 7-10 business days they will send me a check from my balance and a letter as to why they have closed my account. I said so I dont have access to any of my money for 7-10 business days?!?! He said yes. I can not believe that they can do this for someone. Leave them without their money for that long! This cant be legal!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing delinquent when it is not.. The account is up to date since being opened back in XX/XX/2018. The account is in good standing and should not be reported as otherwise.