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

Fifth third bank has a non profit account in which I was assured would not have service fees as it is a non-profit account for XXXX XXXX XXXX XXXX. This account was to never have service fees for any reason per the sales person at XXXX. Starting XXXX of XXXX  this account starting accruing a service fee of {$25.00} a month. This was not discovered until a non sufficient notice-because of service fees-was sent. Upon making the bank aware of this they reimbursed only 5 service fees of 20 that should have been returned. The response from the bank was that they could only go back 5 months. No reason only could go back 5 months. 2 branch managers and 2 customer service agents would not provide any more feedback or any other reasons for the service fees other than a code showing service fees dropped in error. This is an account for a non profit involving high school students and because of covid this account sat. There was no one checking the account-why would we there was no service fees, right? I have been working with XXXX XXXX XXXX and he has been " helped '' by his manager XXXX XXXX, XXXX. Phone XXXX. I have attached the statement showing the start of the fees and the statement showing only 5 returned.
Product: Money transfer, virtual currency, or money service

Used the moneygram app to send money to a person with a valid ID to pick it up like the app stated. When person went to pick it up they were told they could not pick it up because they were not XXXX. Moneygram did not disclose this on the app before the transfer was made. When I asked for a refund they refunded everything except the {$13.00} fee they charged.
Product: Credit reporting or other personal consumer reports

Errors were placed on credit reportXXXX XXXX score before errors were XXXX - XXXX on the XXXX bureaus with XXXX XXXX negative report. 

Errors were corrected and false reports were removed but XXXX scores were not corrected, XXXX scores plummeted. In fact, I requested XXXX score be corrected in writing with every contact XXXX scores decreased XXXX times. The XXXX scores only plummeted. 

With every request to correct XXXX score XXXX  scores plunged. Now with only positive payment history XXXX score is XXXX from XXXX - XXXX. With only on time payments and false negative reports removed from credit reports. 

Only positive payments have been reported to all bureaus. XXXX scores should increase not decrease. This is fundamental logic and reasoning. XXXX  scores should not plunge with positive payment history and erroneous negative reports removed. 

Financial aid was on account with score of XXXX - XXXX. 

What I have learned in my wisdom is that if someone is complaining often and are upset if you only listen ; XXXX percent of the time that individual has a very valid point and is rightfully upset. 

Please do not minimize my complaint based on the amount of complaints I have submitted. This is by design. Financial theft, abuse and loss is happening to certain demographics that institutions are banking on those individuals not being heard. 

Thank you for all you do,
Product: Mortgage

I filed bankruptcy in XX/XX/2018 but XXXX XXXX was able to still foreclose on my home and take my property in XX/XX/2018. I dont know how they were able to bypass the bankruptcy and take the house XXXX My servicing company was Ocwen and then when it sold in XXXX XXXX XXXX bought the property on the sale date. There is 2 dates XX/XX/2018 and XX/XX/2018. Both dates are in the system. Property address is XXXX XXXX XXXX XXXX XXXX Ca XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file and information has been improperly used by Equifax without my knowledge or consent. I was identified to be affected by the security breach at Equifax. I believe my credit report is inaccurate due to this, which has damaged my credit score and hampered my ability to rent apartments, apply for loans and establish credit.
Product: Credit reporting or other personal consumer reports

( Capital One, XX/XX/2023 late payment reported to credit bureaus. ) In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have told them approximately XXXX times I have no knowledge of this debt or there compa y and have never applied or signed any documents or proof of debts received from them. I have asked multiple times to stop calling me and remove my number but they refuse to do so
Product: Credit card or prepaid card

After several phone calls too XXXX XXXX located on the XXXX islands and several affidavits and declarations to the company absolutely completely refuses to investigate the fraudulent transactions!! Please see Attachment ... ..Thank You XXXX Once the bank is alerted to the fraudulent charges and all required documentation is received, they must respond to the dispute within 30 days. The bank will have a maximum of 90 days to investigate and resolve the error. Depending upon the nature and scope of the fraud, the bank may decide to notify law enforcement. The XXXX XXXX did nothing! 

Statement from XXXX : Hi, XXXX XXXX, Recently you inquired about your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$1000.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX. XXXX  XXXX XXXX, GA XXXX Thanks, The Bluebird Team Email from XXXX : Hi, XXXX XXXX, Thank you for your recent inquiry regarding unauthorized transaction ( s ) on your Bluebird Account. 

We appreciate your patience while we complete the research needed to investigate your claim. We have enclosed the Declaration of Fraud form in order for you to provide us relevant details. Please complete it and upload the form through the following link within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. 

Declaration of Fraud Form Secure Document Upload : You can securely send your documents using your desktop or supported mobile device* by : Clicking here Logging in with your account credentials and Uploading your documents If a response is not received or it is incomplete, we may be unable to verify your claim. 

As a reminder, it is required we receive your Declaration of Fraud within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. If we do not receive this document within this time, you may not be eligible for a provisional credit. 

We may take up to 45 days to complete our investigation.

If you need additional options for submitting your documents or have any questions, please call Account Protection Services at XXXX. 

Thanks, The Bluebird Team THIS A VERY BAD COMPANY! Please help in this matter BY THE FRAUD BY XXXX! 

THANK YOU
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts and Inquiries Due to Data Breach I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide the right to remove fraudulent or unauthorized information resulting from a data breach. 
The following accounts and inquiries have been compromised as a result of the data breach, and I respectfully request that they be deleted and blocked from my credit report : Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX  o Balance : {$630.00} Inquiries : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX Inquiry XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) States No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 or has reasonable cause to believe the information is inaccurate. 

The following accounts are being disputed : 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 card

On XX/XX/year>, I got approved for a master card. I receive my credit card on XX/XX/year>. I did not have an opportunity to use my card. I called the credit card company on XX/XX/year> and was told my account was closed due to fraudulent activity and no account activity. I had the card for only 7 days in my possession and allowed my mother XXXX XXXX to speak on my behalf concern this matter. The credit card company stated they will not reopen the account. And basically didn't care how this had a negative affect on my credit report. I am asking them to remove this from my credit report as well as the injury on my credit report. And to compensate to the full maximum the law allowed in the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 3 of this credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : 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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Payday loan, title loan, personal loan, or advance loan

There is an issue with my payments to AxosBank. I have paid my load installment amount automatically on-time every month for years. However, AxosBank cancelled my automatic payments. They claim I never had an automatic payment setup with their company. I did. It was set up through their company not my checking acct bank. Their automated system says I need to talk to a representative to make my payment. The representative claims I need to speak to a supervisor. I'm told the supervisors " are in a meeting '' every time I've called AxosBank ( 50+ calls ) and I need to wait for a call back. I never receive a call back. I call their bank multiple times per week every week. I have emailed their company every week. They verified they have logs of these interactions. They refuse to help me make a payment and are now charging late fees and penalty interest due to non-payment. This is 100 % a fraudulent scam that I have spent 50+ hours to address the past few months. I don't understand how this is legal. 

Most recent important dates : XX/XX/year> : Multiple calls XX/XX/year> : Multiple calls - Promised callback by XXXX XXXX ( Supervisor ) Never occurred XX/XX/year> : Multiple calls and emailed XX/XX/year> : Multiple calls and multiple emails XX/XX/year> : Multiple calls and multiple emails Late fees assessed in XXXX. Company has provided conflicting dates of when fee is assessed. Unable to access their website despite spending hours on the phone with technical support
Product: Credit reporting, credit repair services, or other personal consumer reports

PAN NO. XXXX Name : XXXX XXXX XXXX This is regarding a credit score report sought by my bank for a Loan where one my loan that has been closed long back is still showing as open or delayed. I am sharing herewith the XXXX from the loan provider for necessary corrections and resending the mail to my bank XXXX, XXXX, XXXX, XXXX so that the necessary approvals will be accorded in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Experian and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile.
Product: Vehicle loan or lease

Complaint is against XXXX XXXX XXXX, in regards to loan balance is reported incorrectly on all XXXX credit bureaus. Ive requested numerous times starting in XXXX XXXX for XXXX XXXX XXXX to update the balance on my credit account with them. Ive contacted them via phone, from their website portal. I also submitted disputes with all three credit bureaus. As of today the balance is still incorrect. The mount owed is {$870.00}. 
This is an issue for me when Im applying for credit. I cant afford to keep sending certified letters to the credit bureaus requesting for them to update the balance. When I send in email request they never respond. 
Flagship Credit Acceptance was informed to update the balance from XXXX because I would be applying for a mortgage loan. Please assist with contacting the company and getting the balance updated on my account thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... XXXX  told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i XXXX contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which Transunion is reporting account from XXXX and XXXX that Fraud and XXXX  is reporting XXXX, XXXX and that are fraud..attached also is my police report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account name XXXX  account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXXXXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Third party Calling me at work when I did not give them my work number because I can not receive calls at work
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below need to be deleted from my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : My payments were made on time, but due to a clerical error by the creditor, the payments were incorrectly recorded as late. The payment confirmations from my bank show that the payments were cleared well before the due dates. I have enclosed copies of these confirmations for your reference. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX