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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

Kohls charge app and site was having issues. Would not accept my payment and said there was an error and to try again later. After multiple attempts I messaged Kohls and they said the problem was fixed. It was not! So I tried again later. The payment went through. This was XX/XX/XXXX. The payment was {$41.00}. Today XX/XX/XXXX I check My bank account to find there was a second charge from them for the same amount on XX/XX/XXXX. I talked to two customer service agents on the phone and multiple online and they basically told me there was nothing they could do and they could not refund me my second payment. To call my bank and cancel payment to them but I would be charged a {$25.00} cancellation fee. This is absolutely ridiculously and very shady of them to do. It was basically said to me it was my fault which it was not, the site was not working and telling me to keep trying. I only got one confirmation number in all my attempts so for them to charge me twice and try to brush it off as an error on my part is poor customer service! I am very displeased with this company and how their customer service works. How many others do they do this to? Taking unauthorized payments without a customers consent and then telling you oh well! Will be done with this company as soon as I oay My balance off.
Product: Mortgage

Amerihome has been reporting to our credit incorrectly. They stated they did not receive a XX/XX/2018 payment and reported to our credit from XXXX to XXXX, when they sold our loan that we did not make payments. We faxed them our bank statement from XX/XX/2018 to XX/XX/2018 showing payment. They would not accept that paperwork and needed a transmittle from our bank showing the money was transferred and where it was transferred to. We had our bank fax the transmittle and contact Amerihome with us on a conference call to make sure this was received. They said they did see that the payment was made and would send it to an underwriter to have a letter issued for correction so we could refinance our home and be able.to have our credit report corrected. Amerihome will not write the letter with the explanation that they need to see what happened to the money on their end. I cant do anything about what they did with the money all I can show is it was paid and they will do nothing for me. This has been going on for 3 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I had XXXX XXXXXXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from BMW financial services contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now BMWFS is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub XXXX credit score which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than 1 email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reaching a debt settlement agreement in XXXX XXXX XXXX Civil court, I commenced with the payments to XXXX XXXX as scheduled. For the final payment, they applied my payment to the wrong account and commenced collections on that account as a result. I have repeatedly submitted check images, court discharge paperwork, records of all payments, and fulfillment of my debt to XXXX XXXX directly, to all 3 major credit repositories, my credit counselling service ( freedom debt relief ), and to my legal counsel ( XXXX XXXX XXXX XXXX ) who claims to have confirmed the error with the opposing counsel at XXXX XXXX. However, XXXX XXXX has claimed a non-payment penalty every 30 days ( without sending notice to me ) for several years, reports non-payment and increasing outstanding balance to the credit repositories, and refuses to comply with the court ordered settlement agreement. My counsel doesn't respond to my inquiries. The credit repositories always find my requests for investigation in favor of XXXX XXXX. With 3 years with a constant non-payment on my record, I have been denied refinancing my mortgage and increasing my credit limit with my remaining accounts multiple times.
Product: Checking or savings account

No need to send these details to Huntington as I have already tired to resolve the issue with them to no avail. 

I recently opened a Money Market Account with Huntington Bank, XXXX XXXX XXXX, XXXX XXXX, OH. Within 6 weeks of opening the account, I noticed Huntington had listed my Money Market Account as OD protection for my granddaughter 's debit card without my knowledge or consent about the same time as she had overdrawn her account. To make matters worse, Huntington credited her account with {$100.00} of my money when she had only overdrawn the account by approximately {$20.00}. I guess Huntington would have continued to deplete my Money Market Account to satisfy my granddaughter 's debit card until my account was empty if I had not noticed. 

Since when do banks have the authority to do what they want with our money? This is fraudulent and very scary.
Product: Credit card or prepaid card

On XX/XX/2018, I purchased a trip to XXXX using a Capital one XXXX card for the amount of {$2700.00}. I used the card because I believed that charging the balance on a capital one card would protect me if I had to dispute a charge. That is what their card promised. 

The trip was a nightmare and I face discrimination, abuse and isolation by the tour leader and XXXX  company. When I returned in XX/XX//2018 from my trip, I contacted Capital one to dispute the charge, I sent a 2 page letter and pictures showing proof of my dispute. I called weekly and spoke to customer service, managers and finally I wrote to the CEOs of Capital one to get help. According to capital one, I had a valid dispute but they refused to reverse the charges because they wanted another travel agent to collaborate the claims. When I told them that I did due diligence to obtain a report from another travel agent but no one wanted to write a statement nor have they ever heard of such request. I became discouraged when I realized that Capital one did not want to help resolve this dispute and hid behind a wall of deception. I continued to make payment on the card but knew that what they said was false. They do not help with disputing charges and they take the merchant 's side in disputes. 


Please see the letter enclosed to Capital one in XX/XX/2018.
Product: Debt collection

This company CENTRAL FINL CONTROL out of California keeps attacking my credit for a debt which they have failed to prove that I owe. It for an alleged hospital visit that I was turned away for because the hospital did not accept the insurance which I had at the time ... ..
Product: Debt collection

My mortgage was sold off to select portfolio services. I have never missed a payment. They tack on late fees and call and threaten me after curfew hours. I have spent endless hours trying to explain to them their huge mistake. They hang up, They are taking to me from their home, there are language barriers. These late payments need to be deleted for once and for all. They have brought on tremendous stress to my life, I feel like a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX in Hawaii since XX/XX/XXXX ; my birth certificate and social security card has been missing since about XXXX. I have become aware that my identity has been jeopardized and I want to inquire about the various acts of frauds against myself, XXXX XXXX XXXX XXXX XXXX have never even recieved one stimulus or any government assistance besides food stamps since XXXX. I have never recieved any unemployment. I have personally only opened two bank accounts, XXXX through XXXX XXXX and XXXX.
Product: Credit reporting

I legally changed my last name to my maiden name, and I have the court order. I sent the court order to Trans Union and up to date, they still show my old last name. Trans Union claims that my creditors report me with my last name which is not accurate since I notified ALL and the name was in fact changed. I changed my SS, XXXX, Driver 's license, however, Trans Union will not change my last name. This is causing me a huge burden as I had no choice than to freeze my credit report.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Student Loan account opened at : XXXXXXXX XXXX XXXX XXXX {$5600.00} DATE : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  {$5100.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$2500.00} DATE : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX {$2400.00} DATE : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,
Product: Credit reporting or other personal consumer reports

I received XXXX alerts, all on XX/XX/year>, that someone tried to contact these banks on my behalf : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXXXXXX XXXX Delaware XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, VA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, XXXX, and XXXX for furnishing inaccurate information on my credit reports in violation of 15 U.S.C. 1681s-2. 

Experian, XXXX, and XXXX are reporting a charged off debt on my credit reports. However, a charge off is defined by the IRS as canceled debt which must be reported as ordinary income on my taxes using Form 1099-C if the canceled debt amount is {$600.00} or more. 

Income does not get reported on consumer credit reports. By inaccurately reporting this charged off debt as a current debt rather than as income, Experian, XXXX, and XXXX are knowingly furnishing incorrect information on my credit reports. This is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

I have notified Experian, XXXX, and XXXX that they are reporting inaccurate information by disputing this account with them. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), after being notified of inaccurate information, a furnisher may not continue to report that information if it is in fact inaccurate. However, Experian, XXXX, and XXXX have failed to correct this inaccurate reporting. 

The reporting of this inaccurate information has severely damaged my credit scores, reputation, and ability to obtain credit. Experian, XXXX, and XXXX have an obligation under the FCRA to report accurate information, and they have failed in this duty. 

I demand that Experian, XXXX, and XXXX immediately delete this inaccurate charge off from my credit reports. They have XXXX calendar days to remove this erroneous account. 

The continued inaccurate reporting of this account is a clear violation of Experian, XXXX, and XXXX 's responsibilities as furnishers of information under 15 U.S.C. 1681s-2. 

Their negligence in failing to correct this inaccurate reporting after being notified has caused me and my family significant harm. This complaint serves as a final opportunity for them to cure their noncompliance and delete the inaccurate information. 

I swear under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 an account without my written instructions
Product: Credit card

The dispute center has failed to resolve this issue by the indicated date. I provided proof that the charge should be removed and citi has failed to do so. 
XXXX {$280.00} The reps and even supervisor are incapable to resolve any type of issues. 
Ive been waiting for over 3 months When I called today and manager XXXX at the dispute center answers he hung up on me after XXXX hours of being on the phone on purpose. How does citi expects customer to fix issues like that when supervisors act that way? What type of company is this?
Product: Money transfer, virtual currency, or money service

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

Attempted to have XXXX XXXX XXXX to update my XXXX Credit Card late payment which happened for only 2 months over 2 years ago as reflecting as derogatory on my credit reports thus impacting my FICO scores and my perfect on-time payment history of auto deductions from my checking account for 2 years of above minimum payments. They chose not to update it. However, they change the Account Type from CREDIT CARD ( which it is -- a XXXX credit card ) to MANUFACTURED HOUSING ( I've NEVER owned any type of housing ) I'm renting an apartment in Public Housing. 

As you can see, I've disputed this twice with Transunion telling them this was a credit card but again as you see in the attached document it shows incorrect Loan Type. I'm not disputing the amount nor the credit card. I'm trying to get them to do me a favor in removing it from derogatory account status and make right the Loan Type. I've never asked for an increased in the credit limit in the time I've had this account either, that would be favorable also to my credit score but I  haven't asked for that.
Product: Checking or savings account

XX/XX/2023 XXXX pm, a Bank of America XXXX XXXX Banking Account that ended with XXXX was opened successfully without my knowledge and consent. 

XX/XX/2023, subsequently, a new online profile was established, a change of contact request and an Online banking password reset were made successfully. 

XX/XX/2023 subsequently, I called BofA Fraud Dept and was given a claim with XXXX. 

XX/XX/2023 XXXX, I received email alerts that my user ID was looked up, contact info was updated and password was reset. 
XX/XX/2023, following the event above, I called BoA Fraud dept and removed the foreign contact info from my account. 

XX/XX/2023 XXXX, again, another Bank of America XXXX XXXX banking Account that ended with XXXX was opened successfully without my knowledge and consent. new online profile was established and contact info was updated. 

XX/XX/2023 following the event above, I called BofA Dept and was given a claim w case XXXX. 

Have not heard any feedback since.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

BRCLYSBANKDE XXXX Balance {$810.00} XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$2600.00}
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please remove the account : XXXX  XXXX XXXX. Please remove this account ASAP.
Product: Debt collection

FLAGSHIP CRD Account # XXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. 

Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. 

This account needs to be deleted from all XXXX consumer reporting agencies immediately.
Product: Money transfer, virtual currency, or money service

Hello sir/madam We started to transfer our money from XXXX to XXXX through XXXX about 3 months ago, we talked to our bank ( wells fargo ) in advance to get permissions and the OFAC license XXXX the bank told us we are good to go. So we started to wire the money in several XXXX and XXXX wires continuously. Each time a wire was received by the bank they asked us to go there and sign OFAC AFFIDAVIT paper and after a a few days the bank would credited our account, but after all the transferring was done we realized the bank has not credited our total amount of XXXX $ instead they gave us XXXX $ .we waited a few days but no luck. XXXX $ is missing. We have all the ofac affidavit papers that sais in total the amount is XXXX but they say its not a proof! The problem is that we dont know which of these several wires have been credited and which ones havent because they all been continuously sent and very similar amounts. But with further investigation we find 12 possible wires that that could be it, 7 of these 12 havent been credited. We asked the bank to check these 12 ofac affidavit papers because they have reference numbers on them but they are not helping us! Its been a month and we are going back and forth and nothing so far, no one is helping us. 
The bank said maybe theres a problem with the bank in XXXX, but they gave us the ofac papers to sign! So we know that the money is here, but no one seems to know where its gone! And we tried to talk to everyone even in different branches but no one is helping. 
So Im here asking you to help us, we need the rest of the money we are stressed out Could you help us please?