23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted ChexSystems before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , AL  XXXX  Reported Name  XXXX   XXXX  Reported Address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file
Product: Debt collection

Enhanced Recovery is reporting on my report. I never had a XXXX  cell phone, never received any letter about this. Not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX ) information on my Transunion credit report is clearly incorrect. There are three accounts with the same inaccurate information. Payment history is missing from over 7 years back as well as there's only a 90 day past due and 120 day past due starting in XX/XX/2018. The data is clearly inaccurate. This is a case of not showing first negative history show it stay on the credit report. All three accounts need to be removed.
Product: Debt collection

XXXX XXXX XXXX  transferred an account, that they claimed belonged to me, to a company called Portfolio Recovery. I have asked them to provide me with proof of my debt and they have not provided me with any proof. Portfolio Recovery has been debiting my account of {$5.00} and have yet to provide me information on the debt. 

The amount of {$5.00} will no longer be taken from my account as I will be closing the account TODAY. 

There are multiple fraudulent activities on my account and this company has obtained my information without my permission and has NOT provided ANY evidence that this debt is owed by me.
Product: Mortgage

in late XXXX due to Covid employment issues, I contacted our mortgage company to inquire about an arrangement due to loss of income due to Covid. The bank informed us they were giving us three months to not make payments and we can do a loan modification to have the three months added back into the loan. Seemed fair. We afterwards received some documentation telling us were in forbearance. I attempted to reach the bank multiple times about the loan modification process and my eagerness to get the process started n completed. I heard nothing. After multiple calls to the bank Cross Country Mortgage. I finally spoke to someone who told me, that we would be contacted bout the loan modification n in the meantime go ahead n start making our payments again in XXXX as planned. And so we have. I had to call in XXXX n inquire why the bank reported late payments to the credit bureaus when due to Covid we were told that wouldn't be the case. The bank told me it would be taken care of and that shouldn't have happened. I also disputed these issues with the credit bureaus and it was removed. Now, I can't make a payment online n I call n they tell me I requested to be moved to loss mitigation n no loan modification was requested. What?! I've attempted over a dozen calls to the bank n the poor " horrible at their job '' customer service rep gets angry at me and acts like I've done something wrong n says I called in XXXX saying I couldn't make payments, when I had paid in time both XXXX n XXXX as initially instructed. What's going on over there? I've had to request again a loan modification from Cross Country Mortgage today XX/XX/XXXX. They've misled us as customers, can't give me anything in writing upon our conversation n now they're treating us like bad borrowers when we've met every obligation agreed to on our end. We simply want to resolve the Covid relief period, do the loan modification as initially offered n continue making our payments each month like we always have ( minus the three months from XXXX XXXX, as agreed upon due to covid-19 ).
Product: Credit card or prepaid card

On XX/XX/XXXX I clicked on an Ad on XXXX that advertised XXXX XXXX backing XXXX XXXX XXXX XXXX. It looked like a legitimate website, but after purchasing, it seemed fishy. I received a confirmation email from " XXXX  XXXX XXXX, '' and one said it would show on my credit card as " XXXX XXXX XXXX. '' They other charge on my card said it would be from " XXXX  XXXX XXXX. '' I called KeyBank on XXXX XXXX, XXXX to say I wanted to cancel the purchase because something didn't seem right. They said to wait to see if I receive the item. 

I did receive a bottle of Keto Gummies. I received one a month later as well, even though there wasn't auto purchase set up. When looking at my credit card later I noticed that there were strange charges on it. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX- {$38.00} XX/XX/XXXX : XXXX XXXX XXXX- {$140.00} XX/XX/XXXX : XXXX XXXX XXXX- {$130.00} XX/XX/XXXX : XXXX {$140.00} XX/XX/XXXX : XXXX XXXX XXXX- {$130.00} I didn't make any of these purchases, nor did I receive anything. However, the bank denied my dispute TWICE because they said it had my information, email and address on file. ( Probably because I ordered the keto gummies prior to this ) The bank said they had tracking numbers from USPS associated with the orders. 

For the orders that were : XXXX and XXXX, the USPS tracking number was : XXXX. 

For the one that was XXXX the USPS tracking number was : XXXX. 

When looking up these numbers the website says " Label created, not yet in system. '' When looking up what this meant, it says that someone has made a label, and it can be independent businesses, but has never been dropped off at the post office to be mailed. The message is the same after 7 months. 

Furthermore, when I started looking into the keto gummy scam, the following websites gave me more information. 

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  KEY BANK CLEARLY DID NOT INVESTIGATE THIS DISPUTE LIKE THEY CLAIMED THEY DID.
Product: Checking or savings account

Citibank froze my account for what they consider is " suspicious activity '', which is me trying to log on to mobile banking. And then when I called to verify my identity, they said they couldn't find my name attached to my phone number in their third-party database of " public records '', even though my phone number is recorded in Citibank 's system. 

Now they have blocked my access to banking. I can't use my money to pay my rent and bills. They won't let me take the money out to go somewhere else. The 90-day hold they're placing is the period of time I need to use the money. 

I need my money back asap. Citibank is blatantly withholding my money without cause and being inflexible with their own house of cars of a risk policy.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have a Fruad account on my credit report and XXXX inquiries. 

Accounts 1. XXXX XXXX XXXX XXXX {$56000.00} Inquiries 1. XXXX XXXX XXXX XXXX, 2. XXXX XXXX 3. XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my XXXX, XXXX, and TransUnion credit report in which I haven't done in some time, and I see that I have 24 hard inquiries that I never authorized. These inquiries are as follows : 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 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 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! This was reported to all 3 bureaus!
Product: Mortgage

I have previously disputed the mortgage reporting by Bank Of America on my XXXX mortgage during my chapter XXXX converted to XXXX and discharged bankruptcy.They have responded that they reported correctly and experian has done a supposed investigation and claim verification.In XXXX 2015 Bank of America and XXXX XXXX XXXX entered into an agreement with the FTC concerning them reporting discharged accounts as still open and not discharged.I am asking that they abide by what they told the CFPB in their agreement they would do that was supposed to be done by XXXX XXXX am uploading my proof that they are reporting false information number XXXX that i was late and that an account that was transferred to XXXX was charged off.This same account has now been transferred to Ditech.Seems like a lot of reporting for a charged off account, that i am still paying.I am requesting that Bank of America XXXX XXXX and XXXX all correct my credit reports with all XXXX bureaus to reflect this is a discharged account with no late payments and no charge offs.I am astounded that the CFPB can not even get these companies to abide by agreements they make directly with them.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting

I have sent previous request to Experian, requesting they Delete XXXX Account Closed with inaccurate information from my file and yet they have failed to do so. 
Accordingly, I intend to show a judge that these accounts are inaccurate and that thus violated the Fair Credit Reporting Act by ignoring my requests to investigate with Correct Information. My previous request stated my reasons for Delation and these reasons were not frivolous in any way. 
If this final request does not prompt Experian to conduct a proper Delation of the account in question, and send proof to me of said Deletion, I will file a civil suit in XXXX XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation with Deletion. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports I request this be resolved and delated with in 5 days to avoid stalling the process further by you.. 
I anticipate your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a subscriber to the XXXX, Experian, and XXXX credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, XXXX, Experian, and XXXX. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my XXXX, Experian, and XXXX   consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new  OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with XXXX, Experian, and XXXX. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) Experian [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 3 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!
Product: Credit reporting or other personal consumer reports

U have multiple credit report inaccuracies the first being a charged off account that was paid in XXXX of 2024 that needs to be removed as it is not consistent across all my credit reports. Additionally I have XXXX evictions and XXXX forcible entries on my credit report which are incorrect the evictions shouldnt be tied to me as the lease was in my fathers name under his social security number and I lived with him while finish school additionally there was never a forcible entry which doesnt belong on his report or mine
Product: Debt collection

Chase receivables collection agency of XXXX California sent information to credit bureaus stating that I owe {$82.00} to a medical institution. Problem I was never notified by the medical institution or chase receivables that I owe this money. Credit bureaus reporting that collection was opened since XXXX of XXXX. Problem is nobody sent me a notice or warning of such actions and now it 's on my credit report as of XXXX XXXX and my credit score went down by XXXX pts. When I tried to contact chase receivables they stated that I need an account # for them to know what debt I was calling about. So basically when I gave my name and address they could n't find me in their system but somehow they reported me to credit bureaus stating that I owe money. This is unfair and it is fraud! And now I am stuck because I ca n't get nowhere with collection agency and credit bureaus will not remove from credit report until XXXX! This is consumer ripoff.
Product: Money transfer, virtual currency, or money service

There was no explicit mention of a regular fee for using the app. All I did was connect my Checking account and the next day an amount of XXXX USD was deducted. There was no intimation or confirmation of any kind. I have closed my account now but would like a refund for the uninformed transaction carried out. While deactivating my account, one of the reasons they ask is if it is because of unknown hidden charges ; which proves they are well aware of their practices. Lastly, it would be germane to have Digit mention it clear and bold about their charges.
Product: Checking or savings account

I was notified on XX/XX/year> that my account was getting closed and to call them immediately. I called them and they said that they decided to close my account and that it would take XXXX days for me to receive a check in the mail with my funds. I asked multiple times why they were closing my account as nothing had changed and they couldn't tell me. I have a family to provide for and this is my only account. I am about to get evicted and all of my paychecks deposit into that account
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. While using Zelle countless times, there has never been much security with knowing money is being sent to the correct account. The CFPB findings indicate that Zelle ultimately leaves users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Late Payment Law Letter finance charge XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under 15 USC 1681i ( 6 ) DEMAND TO COMPLY and 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability to credit reporting agency
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. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
1. XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. XXXX  Date of inquiry : XX/XX/XXXX 4. XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 6. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit card

I 've had my Citi Thankyou card since 1996. Never had any problems until this year. I was 2 days late making the payment to completely pay off my balance in XXXX. I knew I would be charged interest on my next statement. I paid the complete balance in XXXX. However, when I received my statement for XXXX, there was another interest charge of {$240.00}, so I called customer service. They said they could n't help me, but would have a supervisor contact me. I missed the call when the supervior called back and she left a message saying that I should call the number on the back of my card. I have called 4 more times and each time I get the same response, that they will have a supervisor contact me. To date, I have n't received a return call from the supervisor. It 's very frustrating to received no response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC report with an account and inquiries I did not authorize, please delete and also update my personal info
Product: Checking or savings account

Charged an international processing fee when I did not travel internationally. I bought something at home. Used my debit card. Called US Bank and they will not refund this fee. The fee isnt in the disclosures for my account. I have been lied to and taken advantage of. They stole my money
Product: Debt collection

I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS I NEVER RECEIVED A DUNNING LETTER FOR THIS DEBT