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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I experienced a theft by an account holder named XXXX XXXX a fake real estate investor at Wells Fargo Bank has only return {$400.00} of the {$3400.00} that was fraudulently wired out of my account my a scamming landlord, a report has been filed with police. Ive sent transaction records from my XXXX XXXX  account. I need these funds recovered immediately and Wells Fargo still will not restore all funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an initial dispute with credit reporting bureau Experian sometime ago regarding an a XXXX credit card account number and balance appearing on my credit file. At the time i did not have evidence to support my claim. I mailed payments to the bank which issued the credit card for XXXX ( XXXX XXXX ) in which my payments were returned along with a letter from XXXX XXXX ( See uploaded documents ) stating there was no record of an account bearing my name or SSN. 

Time went by and I circled back to resolve this and mailed disputes to all three Credit reporting bureaus, XXXX, Experian, and XXXX however, providing the supporting evidence of my dispute. XXXX completed their investigation ( See uploaded documents ) and agreed the account number does not belong to me and deleted from my file. In addition XXXX updated my report to reflect the correct account number as " Paid as Agreed, closed at Consumers request ''. XXXX is still investigating however 30 days is coming fast. This complaint is about Experian who was the first to respond within weeks. To my surprise the never investigated the matter along with supporting evidence, they dismissed my dispute as frivolous ( See uploaded Experian letter 2-sided ) because I filed a initial dispute which as i stated i did not have any supporting evidence.
Product: Checking or savings account

I have two accounts with Citibank. One one of the accounts I had some items post that the drew the account negative in the amount of ( -XXXX ). I had a positive balance in my other account of ( XXXX ). Citibank debited my one account to pay he other leaving one account at ( XXXX ) and the other account at ( -XXXX ). When I contacted Citibank its initial representatives were in call centers outside of the U.S. and the were very rude stating that Citibank has the right to collateralize any account a person has with them. To which I responded that might be true, but surely their are protocols for doing so, thresholds that trigger such actions. I explained considering that in one of my accounts I have a weekly deposit of almost XXXX deposited to the account ( XXXX ) There was no need for Citibank to take any action on my accounts because after all of my payments are made there would have been enough to cover the negative balance in my account. I had to call three times and finally after being on the phone for more than 2 hours I got a supervisor in a U. S. call center to explain their " sweeps '' protocol for collateralizing occurs when an  account is negative -XXXX or more and the account has been negative 10-15 days ( she later said that it is 15 days ). I explained to her this is why I have an issue. Because it felt like more of a unobjective human decision had been made more than an automated protocol followed, because my account was not negative more than ( -XXXX ) and it has not been 15 days since the account was negative. I take no issue with disclosures/protocols being followed. I do take issue with unjustified actions being taken on my account. It makes me wonder if this is widespread practice for Citibank not to follow its own right to collateralize protocols and its seems very petty especially considering my weekly deposits.
Product: Debt collection

I HAVE DISPUTED THIS ACCOUNT MANY TIMES STARTING BACK IN XX/XX/15 I CONTACTED TRIDENT ASSET & DISAGREED I WAS ADVISED I NEED MORE DATA, I PROVIDED TWO RECIEPTS SHOWING I TURNED IN ADDITONAL CABLE BOXES AT A LATER DATE, DATED AFTER I SURRENDERED MY SERVICES WITH XXXX, ( 1 ) DATED ON XX/XX/13 SHOWES I WALKED IN MY DEACTIVATED EQUIPMENT AT A XXXX LOCATION IT SHOWS 3 CABLE BOXED & 1 WIRLESS ROUTER & XX/XX/13 I WALKD IN AN ADDITIONAL BOX THAT WAS A DEFECTED, IT 'S A SEPARATE RECEIPT SHOWING THAT I WALKED IN ANOTHER CABLE BOX, THEY CAME BACK WITH THE SAME RESPONSE I OWE THIS DEBIT WITHOUT A WRITTEN EXPLINATION INCLUDING A BILLING BREAKDOWN OF THE CHARGES, HOWEVER TRIDENT SENT ME A INCOMPLETE BILL THAT ONLY HAD FOUR PAGES & FAILED TO PROVIDE AN ITEMIZED BREAKDOWN OF THE CHARGES INDICATING I OWE THE BILL THAT HAVE BEEN GIVEN TO ME DOES NOT STATE ( 1 )  DETAILS OF CHARGES WHICH WOULD SHOW THE TYPE OF SERVICES I RECEIVED, SUCH AS INTERNET & PHONE BUNDLE ADDITIONAL SERVICES & EQUIPMENT FEES & OTHER CHARGES, I HAVE CONTACED TRIDENT THERE AFTER ON MANY DATES XXXX & XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX TO CURRENT XX/XX/XXXXAND DISAGREED EACH TIME WITH TRIDENT THAT THIS IS A BILLING ERROR, & I HAVE REQUESTED EACH TIME TRIDENT ASSET PROVIDE ME WITH A WRITTEN EXPLINATION PROOF OF CLAIM & CLARIFICATION OF CHARGES WITH VALID VERIFICATION PROOF, IN WHICH TRIDENT CA N'T PROVIDE VALID PROOF SHOWING HOW THIS MONEY IS OWED, THEY ONLY CAN PROVIDE AN INCOMPLETE BILL THAT HAS NO BREAKDOWN. THIS IS FRAUD I FEEL THIS COMPANY IS TRING TO EXTORT MONEY FROM ME, I 'M REQUESTING THAT THIS BE REMOVED ASAP IT 'S CAUSING HARDSHIP & HENDERING ME FROM MOVING ON. TRIDENT FAILED TO PROVIDE VALIDATION OF DEBIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of my student loan on all three credit reports, XXXX, Experian, and XXXX The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.
Product: Mortgage

Due to loss of business, unemployment and financial hardship my home went into foreclosure. I tried to avail myself of different government programs to get relief. I attempted multiple times to submit a short sale application to ChaseXXXX Bank but it seems that the only tactic they employ is to delay, deny receiving documents, claiming they ca n't read them, bullying me and lying. They have shown zero attempt at helping me resolve my issues. I have submitted every document they asked for and in return my attorney keeps telling me they want me to refill and submit the same exact documents over and over again without attempting to give me any relief.This has been going on for years not months YEARS. This is the bank taking advantage of a person in dire financial straits. The house is empty because I ca n't afford to care for it or heat it. It 's falling apart. I have told them this and they refuse to do anything they are obligated by law to do except torture me.
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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

This is regarding account number # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX I Have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX. I Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. According to 15 USC 1681 EB and 15 USC 1681 I, you are suppose to assure maximum possible accuracy. These Accounts is not accurate to the Fair Credit Reporting Act. Delete accounts immediately for violating 15 USC 1681EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of fraudulent abuse. XXXX XXXXXXXX XXXX I did not authorized for them to do anything to my account nor credit report I did not use their money someone used my information and now im stuck with this bad credit report that I do not deserved! Im asking for this to be removed and further investigation!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the XXXX pandemic. 

I kindly request you remove this negative reporting information from the period XXXX XXXX as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized due to XXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity-Theft and have filed reports of this in the past to Local, State and Federal Authorities, as well as, FTC and CFPB over the last few years. I now have a fraudulent account ( XXXX ) that was previously disputed and removed from my credit records months ago return as of today on my Experian credit file. Once again, I have never had such an account and it is an account due to fraudulent use of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has inaccurate information on my credit report and I want it off my report. I contacted XXXX, TransUnion, and XXXX on several occasions more recently on XXXX XXXX, 2017 and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the XXXX XXXX XXXX XXXX that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XXXX XXXX, 2017.
Product: Mortgage

I requested a forbearance on/around XX/XX/XXXX due to the impact on my employment incident to COVID-19. On XXXX XX/XX/XXXX, I recorded my phone call with a supervisor of PennyMac, my lender, refusing to assist me with forbearance-related questions because I would not provide answers to additional questions. My understanding of the CARES Act is that I only need to attest that I am experiencing a hardship due to COVID-19. I relayed this to the supervisor, but she stated the lender required additional information. I threatened to take legal action and report PennyMac 's violation, but this did not deter PennyMac 's behavior. The supervisor made it clear that the forbearance was optional.
Product: Money transfer, virtual currency, or money service

I have send the payment to my mother XXXX $ thru my XXXX account but they have send it to wrong account has closed in 2019 when I contact the my mom bank they find it in closed account then they have been send it back in XX/XX/XXXX back to ally no Im still on ally bank to give me the money since XXXX The transaction was made in XX/XX/710 $
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling or disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles numerous times and reporting discrepancies, my financial institution and Zelles failed to investigate my claims adequately. The informed me that recovering lost funds was impossible and tracking these claims were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

C

redit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Mortgage

My home property taxes were assessed at the wrong percentage of XXXX XXXX instead of XXXX XXXX because the house was not listed with the county correctly. When I saw the issue because of much higher my monthly payment was and my escrow being incorrect, I contacted XXXX, who was then the servicer of my mortgage. They told me I needed to go and fix the issue with the county, but advised me that it was best to go ahead and pay the higher incorrect amount now and to keep my loan current, and that when the county issued the money back to XXXX, I would receive a refund for the overage. This should have been in the amount of {$680.00}. As I was in the process of getting my taxes fixed with the county, I found out my loan was sold and now being serviced by a new lender, M & T Bank. They still have the incorrect amount as my monthly payment that is due. I have had to do A TON of back and forth trying to get this all situated. So on XX/XX/XXXX, a check in the amount of {$2700.00} was sent from XXXX XXXX to XXXX, who handles the billing for both of these lenders, the check initially went to XXXX, then I had to get XXXX to send the check to M & T, and now they are telling me that I am only due an overage of {$54.00}. I spoke with a woman named XXXX from XXXX XXXX on XX/XX/10, then XXXX and XXXX at M & T on XX/XX/10, and then their supervisor XXXX XXXX who told me I would be receiving a check for {$680.00}. A month goes by and nothing, then I receive a new analysis saying that my overage is only {$54.00} because the last analysis was saying I was suppose to pay {$20000.00} in XXXX as well, but I purposefully didn't make a payment to M & T UNTIL we got everything squared away, and now they are taking money back saying I owed them the higher, incorrect, amount. Bottom line is, I paid a higher, incorrect, amount to XXXX in XXXX, they sold my loan to M & T, and now they are telling me too bad, you're not getting the money back, even though that is what I was advised to do. Please help me rectify this, I have jumped through a hundred hoops and thought I had it squared away and it's not.
Product: Credit reporting or other personal consumer reports

I requested information on this account XXXX XXXX. Account number XXXX On one report it is closed and another it is open. This company do not have a license to collect debt in the state in XXXX.
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX, and the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I discovered my personal information had been compromised due to Equifax 's negligence. On the same day, I was offered a free period of monitorying by Equifax. However, this action does not solve or compensate victims of Equifax 's gross misconduct, incompetence, and negligence. Equifax 's business revolves around consumers ' personal information, and allowing hackers to breach their system, affecting half of the United States, is unacceptable. As with other affected consumers, I was not contacted by Equifax notifying me of improper use of my personal information. Moreover, Equifax discovered the security breach on XXXX XXXX, and did not make the information public until XXXX. Personal information, including but not limited to Social Security numbers, full names, addresses, and credit card information, holds monetary value and can lead to inidividuals ' financial losses.
Product: Credit reporting or other personal consumer reports

Two loans were fraudulently applied for in my name and filled out by XXXX XXXX of XXXX XXXX and his in-house staff. These fraudulent loans were submitted to XXXX XXXX to obtain two construction loans. XXXX XXXX then sent XXXX XXXX approximately $ XXXX in XX/XX/XXXX. In XXXX of XXXX, I began to receive notices of a bill for these loans, which also appeared on my credit report ( hard inquiry, and the reporting of two loans approximately $ XXXX each ). I never met XXXX XXXX, nor have I met any of his employees. I never contacted XXXX XXXX, nor have I spoken with any one of his employees. I never authorized XXXX XXXX, nor did I authorize any of his employees, in person or in writing, to check my credit or submit an application for home loan construction. I am not satisfied with just the cancellation of the loans. I would like the hard inquiry removed from my credit report, because XXXX XXXX and his staff at XXXX XXXX along with XXXX XXXX conspired to commit fraud against me. XXXX XXXX refused to fully acknowledge the fraud nor any culpability and responsibility to do good faith business.
Product: Debt collection

XX/XX/2019 account was open in amount of {$420.00} on credit report.
Product: Payday loan, title loan, or personal loan

I received a call from Bridge Lending solutions because I was applying for alot of online loan companies because I have been having a cash flow problem, with overdraft fees and was hoping I could stop the overdraft fees by supplementing with this loan. They gave me {$500.00} on XX/XX/2019 and On XX/XX/2019, I paid them {$200.00}, then on XX/XX/2019. I paid them {$180.00} and then on XX/XX/2019 I paid them {$120.00} a total of {$500.00} and the loan amount was {$500.00} to begin with and as of today my balance on the loan is {$520.00}. I received a loan from them for {$500.00} and have paid them {$500.00}, the loan has only been active for a total of 40 days and as of todayXX/XX/2019 I still owe them {$520.00}. The way I see it I have paid my obligation to them, I could possibly see having a balance today of maybe {$120.00} if they want to charge me interest or whatever but at this point in order to get this paid off, they want an additional {$400.00} today. So that would mean a loan for {$500.00} that was taken out less than 45 days ago, has cost me a total of {$900.00}. I am just floored by this and yes I am the person that took out the loan, but I have paid them {$500.00} and I have tried to pay this off and have given them {$500.00}, I just dont understand how people can do this. This is a predatory lender and I am a victim.
Product: Credit card

I have been trying to reach Amex because I want to pay them for the credit card I have with them. 

The total is roughly {$1000.00} I ask to speak to someone to confirm my credit report will be updated when the payments are made, ( they told me there is also no way to access the online portal once my account is closed ) but no one would tell me who can help me and no one was willing to check into it as i get transferred over and over and they tell me that the credit bureaus or their billing department is who will update the reports once paid but then i ask to be transferred to billing to make areangements but instead get transferred outside of amex without warning and connected to a completely different company who proceeded to ask me identifying information only revealing after that that they are a debt collected attempting to collect my account. i told them i am not trying to avoid paying my debt but want to be sure i pay it to the correct person who i can confirm will be updating the negatives on my credit report to show paid in full instead of charged off. id that cant be done then please. remove the entire account from all r credit bureaus with the misinformation.