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

I have attached 2 alleged collections that have shown up on my credit report. Both are listed as OPEN BALANCE according to the FCRA this is illegal and they must be deleted immediately. My credit has been damaged because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX   XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} not mine XXXX XXXX XXXX XXXX {$760.00} not mine XXXX XXXX XXXX XXXX {$400.00} not mine XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX accounts for months. Experian refused to reverse the late payments, not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.. CFPB please step up and fix this ASAP please Im looking to purchase a home
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681 section 602 states that 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. Under 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: Credit reporting or other personal consumer reports

RE : XXXX  Block Request I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX  XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX  XXXX XXXX Account Number : XXXX Balance : {$0.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account information is Inaccurate and need to be fixed
Product: Credit reporting or other personal consumer reports

- XXXX XXXX XXXX XXXX For collections of $ XXXX XX/XX/scrub>XXXX XXXX  - Online Information XXXX For XXXX of {$1800.00} Filed a dispute then XXXX claimed to have done an investigation with out providing me with the following Chain of Title, Date of XXXX Delinquency, or the Date of the Last Payment on any of the above collections Equifax- for Online XXXXXXXX XXXX- For collections of {$1800.00}, I disputed information and the credit reporting agency has not provide me with the following Chain of Title, Date of Delinquency, or the Date of the Last Payment TransUnion- for XXXX For collections {$590.00}, I disputed the collection and the reporting agency has not provided me with the following Chain Of Title, Date of Delinquency, or Date of Last Payment And I Used the Fair Credit Reporting Act to let XXXX, Equifax, and XXXX know that's this went against the laws provided in the FCRA and using I even got in touch with them on several occasions to resolve the inaccurate information using various Codes such As ; 15 USC 1681, 15 USC 1681 ( i ), 15 USC 1692 ( c ), 15 USC 1692 ( c ) ( 2 ), 15 USC 1681 ( e ), 15 USC 1692 K
Product: Checking or savings account

on XX/XX/2023 chime bank closed my account that i held with them for more tha 7 years abruptly with no explaination as to why they were closing my account. this has affected me greatly as now no banks are accepting to open accounts in my name. i have no issues whatsoever that can warrant this closure. 

i requested a reason as to why but they have not given me any answer at all. any communication with this has been futile.
Product: Credit card

In 2021, I opened a AmazonStoreCard through synchrony bank, and have been using that card cents. However, on the exact same date, that card was opened a duplicate card was created not to my knowledge until recently when I found out the duplicate card had two late payments from an amount of {$16.00} of something that I did not charge to the account. Every time I login the separate account does not show up nor have I ever received a credit card for it or knowledge that it was opened until I checked my credit report to find late payments. I contacted the company and they told me that they are not able to fix this even though it was obviously an error on the bank side sent a duplicate account was opened on the exact same day, not to my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax 3 times to remove 3 incorrect inquiries which they would not I was instructed by multiple supervisers that if I filed a complaint with the FTC and sent this and my driver 's license, letter of instruction and social security card in via fax, they would remove these. I have attached a receipt from the fax service showing successful delivery to Equifax on XX/XX/2022. 
As I provided what Equifax asked me for, they are violating my rights and also violating the FCRA as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized hard inquiry on my credit report. This inquiry was made by XXXX XXXX in connection with a personal loan application. At the time of the application, your representative assured me that I would be approved based on my credit score and bank statements, even as the sole owner of my XXXX, where deposits are made into my XXXX  checking accounts. Despite these assurances, my credit report now reflects a hard inquiry from XXXX XXXX. 
This unauthorized hard inquiry constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies can only furnish a consumer report for permissible purposes and that users of consumer reports, such as XXXX XXXX, must have a permissible purpose to obtain such reports. The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer report may be obtained, and this situation does not meet those criteria. 
Furthermore, the misinformation provided by your representative constitutes deceptive business practices, which are prohibited under the XXXX XXXX XXXX Reform and Consumer Protection Act. This act gives the Consumer Financial Protection Bureau ( CFPB ) the authority to protect consumers from unfair, deceptive, or abusive acts or practices ( XXXX ). 
I kindly request that XXXX XXXX take immediate action to remove this unauthorized hard inquiry from my credit report and provide me with written confirmation once this action has been completed. Failure to address this matter promptly may result in my pursuing further legal remedies.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders too 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 or other personal consumer reports

According to XXXX XXXX XXXX Experian is supposed to ensure MAXIMUM ACCURACY This account violates these laws 15 USC 1681i 15 USC 1681s-2 15 1681i 5 15 USC 1681e ( b ) Delete Hard Inquiries and Soft Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

We have had an account with Keybank and the previous bank they purchased, XXXX XXXX for about 38 years now. In XX/XX/XXXX we were offered as part of our account with Keybank a FREE safety deposit box. 
On XX/XX/XXXX we received a letter stating that our checking account was debited for {$160.00} for our safety deposit box # XXXX being delinquent. On XX/XX/XXXX I called the XXXX number on the letter and with the second representative ( XXXX ) I dealt with and was told this was a bank branch issue and I had to contact the branch. 
I contacted the branch on XX/XX/XXXX and on XX/XX/XXXX the branch manager XXXX XXXX called and explained to me that the account had changed because in XXXX I had raised concerns about service charges and that we were notified of the account change. I honestly do not remember a service charge issue but I can state emphatically that we were NEVER notified of a change resulting in our FREE safety deposit box becoming a safety deposit box with a charge. If I had known we were going to be charged I would have either paid it on time, or closed it. 
XXXX XXXX stated we were notified but I must state again we were not. In fact Keybank can and does find me when they want to send offers of checks to use and charge to our credit card and that in fact is the ONLY mailings I have received from Keybank until the letter of XX/XX/XXXX. 
I was also told that although he was not passing the buck I should call the XXXX # which as stated we already had called and I told him so. 
On XX/XX/XXXX XXXX XXXX called me back and stated that {$69.00} of the {$160.00} debited to our account was credited back. When I asked why just {$69.00} I was told it was better than the zero we were going to receive prior to his negotiating on our behalf. 
On XX/XX/XXXX I completed a survey sent by Keybank via email and wrote of my concerns over this issue and as of XX/XX/XXXX have had no response. 
On XX/XX/XXXX I cleaned out our safety deposit box and introduced myself to XXXX XXXX. I thanked him for his efforts but told him I felt we should have all of our money credited back to our account and that I was in fact moving forward to lodge this complaint. 
He just shrugged his shoulders.
Product: Credit reporting or other personal consumer reports

Please remove unauthorized/fraudulent inquiries from my Equifax credit report. 

XXXX XXXX XXXX XXXX XX/XX/2023
Product: Money transfers

XXXX/XXXX/16 Western Union XXXX XXXX Contacted WU for refund MANY times as this transfer was rejected by the Bank XXXX XXXX. Many times WU said this $ would b back in my account within 48 hours, but it has never been refunded. On the XXXX, they asked for my bank deposit records from XXXX XXXX to present to be sent to XXXXXXXXXXXX so that they could confirm that I have not received the refund. Was told we would b contacted within 48 hours. No contact, no refund. Today, I just resent my bank deposit info and letter to XXXXXXXXXXXX and they sent back that this is registered as case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from XXXX XXXX ) at XXXX XXXX of XXXX XXXX on XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which was cleared on XX/XX/2023 * XXXXXXXX XXXX refused the payment to pay-off this lease unit XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* XXXXXXXX XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with XXXX XXXX is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to XXXXXXXX XXXX customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from XXXX XXXX
Product: Debt collection

On XX/XX/year> I contacted XXXX about an email they had sent me claiming that I owed them for an outstanding debt. The representative specifically told me that the only way I could stop them from reporting me to the credit bureau was to set up automated payments from my account in the amount they specified. I agreed. They took they first 2 payments out of my account ( XXXX, 2024 and XXXX XXXX ) and then reported me to the credit bureau anyway before the XXXX payment was due to come out on XXXX XXXX. I contacted them and told them that was not the agreement we made and I only made the agreement to avoid a hit to my credit score. They denied ever making the agreement. They said they would have to check the conversation records to see if any agreement was made. When I asked them to do that they refused.
Product: Credit card or prepaid card

I have a bank of america credit card. In XX/XX/XXXX the minimum payment changed. I was enrolled in an automatic bill pay. The automatic payment amount was not changed to reflect the higher minimum. The payment was credited as late, and a late charge applied. This happened until XXXX of XXXX. At such time i became aware of this. ( no attempt to contact me about his problem was made ). In XXXX i believed this was taken care of. I spoke to them, they adjusted my account and the guy told me my payment was straitened out. 

today,XX/XX/2018 i find out that in fact the exact same thing has been happening since XXXX of last year. The guy i spoke to in fact did not fix my payment methods and although the minimum at the time was lower so that the amount my account was set to pay was sufficient for XXXX, it then back higher and again i began accruing late fees. I contacted them and they refunded some ( but not all ) of the fee, but they then told me i had make changes to my account via web page in order to get the account to where it would make a minimum payment every month, regardless of amount. 

The process is unnecessarily onerous and complicated. As someone with experience designing and creating websites and bill payment systems theirs is overly convoluted. After 18 months and 2 lengthy attempts at contacting them, my account is still not set up to make a recurring minimum payment every month. However only after my second interaction am I left with the knowledge this is not the case. 

As a credit card consumer, their process is so vastly different and outside the normal experience ( regarding setting up a payment for the minimum amount every month, i can only conclude that this is deliberately difficult in order to confuse consumers about the state of their account. 

These practices are at best indicative of inapt user experience planning, but more like a result of deliberate and intentionally deceptive design.
Product: Credit reporting or other personal consumer reports

I am moving out of my apartment and multiple apartment owners/leasing companies/individuals are requesting my credit score be XXXX to be considered. I ran my credit reports from the XXXX site for all three bureaus and discovered that Experian had a wrong social security number on my report. I reported this by phone on XX/XX/2024 because I was unable to report it when it was discovered on XX/XX/2024 because the company was closed for the weekend. That report filed was XXXX I received a notification by email that it was corrected but I called to discuss it with a person by phone. I ended up speaking with a male agent and explained the that my social security number was wrong and this didn't make sense because I was able to obtain credit, Experian was reporting accurate closed accounts and active current accounts ( with the exception of XXXX which I am filing a complaint about ) and that it did not make sense that I could log into Experian using my correct social ending in XXXX, yet the personal information display something else. I was about to explain it must be someone in house who added someone's social and was obtaining good credit off my score, but he cut me off asking if the accounts were correct and said he was filing a dispute when I didn't tell him to. 

I would like to file a complaint for the following matters : 1. I would like to complain that the fact that my credit report with Experian only ( no other credit bureau ) showed a social that appeared as XXXX was listed as the primary ssn in my account when it should have been XXXX. 

2. The agent claimed a vendor running my credit could have altered their entry of my social which would alter it on the report. This is a fradulent statement and does not make sense. That would mean any vendor who mistypes a digit is changing your PII which they should not have access to or be able to change at all. If a vendor did change my ssn on my Experian report they are in violation of 15 USC 6802, 15 USC 6805 and 15 USC 6508.

3. It is clear to me an employee added this social into the record to help bolster their credit, a friends, family member or someone who paid them off for an illegal alien situation. Because I could still log in on Experian.com and create an account using my correct ssn ending in XXXX, but someone else 's was the prevailing ssn. Experian has a responsibility to report and question inaccurate information per 15 USC 6508.

4. My credit score can not be accurate if someone else has used their XXXX number to obtain credit which is a violation of 15 USC 6508 5. I have experienced high interest rates and unfavorable terms on a personal loans I have taken out in the last year based on incorrect reporting. My terms would have been better if my credit score was accurate.
Product: Mortgage

I had a condo in XXXX XXXX, MS. That was destroyed during XXXX XXXX in XXXX. Greentree Mortgage was my mortgage lender. I only have a slab left from the condo. I paid my mortgage for many years after the destruction. I tried to work with them to decrease my payment or extend my loan. They would do neither. I got a call from them that they were going to charge me an exorbitant amount of money for their " full coverage '' insurance to protect their " investment '' from fire, etc. I told the representative, that it was a slab, nothing was left, that a fire would only improve the property. I went through all the representatives and supervisors. They threatened to foreclose on the property. This went on for several months, with calling at all hours of the day and night, threatening, etc. Finally, I spoke with them and the company would not modify the loan and said they would foreclose. I gave them my contact information and they said they would start foreclosure proceedings. Move forward to XXXX, and I find out that I still own the property and they never foreclosed. I went to the XXXX mortgage office and my original mortgage it still there. Now they have " Reorganized '' and have this lawsuit against them. I found out that they Charged off my account, but never foreclosed, now the property is in limbo. Who has my mortgage now? Ridiculous company, charged me tons of fee 's from everything from paying your bill on their system to all these charges, Who can even tell what the real mortgage amount is with this company?
Product: Credit reporting, credit repair services, 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. 
XXXX XXXXXXXX XXXX XXXXXXXX : account states closed : Loan account XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX account states closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX XXXX : account closed : opened XX/XX/XXXX 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Chase bank closed my credit card without any emails or calls about any issues on XX/XX/22. They claimed the account was fraudulently opened when it was not. Customer support continues to redirect me in circles to other departments, keep me on hold for hours at a time, or promise that somebody will call me back and they never do.

None of them will tell me why the account was closed, how i can resolve the issue, especially concerning because there seems to be ANOTHER account in my name which may have been fraudulently opened, except they wont give me any details on it.

Online account is locked so i cant see what charges have been made. 

As of XXXX i have not been able to get any information from customer service. I call them almost every business day to try to resolve this, wasting hours of my time and never getting anywhere.
Product: Vehicle loan or lease

Dear Santander Consumer USA, I was alarmed to find late payment entries on my credit report covering the period from XX/XX/year> to the present. I am confident that I made all payments in accordance with the statements I received, and it appears that there may have been an issue with statement delivery.

In light of our longstanding positive relationship, I request the immediate deletion of these late payment entries from all credit reporting agencies. Additionally, I seek a refund for any late fees assessed on my account. It is crucial to address this matter promptly, as I believe the entries are inaccurate and have resulted in violations under the Fair Credit Billing Act ( 15 USC 1666b ), the Fair Credit Reporting Act ( 15 USC 1681i ), and the Fair Debt Collection Practices Act ( 15 USC 1692g ). 

Please rectify this issue without delay to avoid further inconvenience for both parties. I appreciate your prompt attention to this matter and look forward to continuing our positive relationship. 

Sincerely,