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

I HAVE BEEN HAVING PROBLEMS WITH 3 COMPANIES FOR THE PAST 5 YEARS. I HAVE DONE EVERTHING THEY HAVE ASKED FROM ME. I HAVE SEND COPIES OF ALL THE DOCUMENTATION THEY HAVE REQUESTED IN ORDER TO HAVE MY ACCOUNTS UP TO DATE. I WAS A VICTIM OF XXXX XXXX FOR 20 YRS. AFTER MY XXXX XXXX XXXX AND HAVING MY TRUCK BURNED BY MY ABUSER I FILED FOR DIVORCE. THATS WHEN MY I STARTED GETTING DELINQUENT LETTERS FROM CREDITORS, REQUESTING PAYMENTS. I CALLED AND EXPLAINED TO THEM THAT IT WASNT ME WHO GOT THOSE MONEY LOANS, OR COMMERIAL LOANS, OR STORE CREDITS. I DID POLICE REPORTS AND SEND THEM TO EVERY SINGLE COMPANY AND THEY DENIED ME THE CHANCE TO CLEAR AND CLEAN MY CREDIT SCORE. XXXX SUED ME FOR 7 ACCOUNTS I WON 3 CASES BUT STILL PENDING 4 I KEEP CALLING THEM AND THEY HANG UP OR JUST HAVE ME ON XXXX FOR HOURS. XXXX XXXX  HAS BEEN SENDING TEXT MESSAGES DEMANDING PAYMENT FOR 3 ACCOUNTS I ALSO SEND THEM THE POLICE REPORTS AND IVE HAD NO SUCCES THEY KEEP UPDATING MY CREDIT REPORT AND THEY KEEP CHANGING THE DATES ON THEM " LIKE WHEN ACCOUNT WAS OPENED " THEY DONT MATCH COMPARED TO THE CREDIT REORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IS DOING THE SAME THING REPORTING INFORMSTION THATS NOT CORRECT. AND XXXX HAS MY WRONG DATE OF BIRTH I HAVE REQUESTED THEM TO UPDATE MY INFORMATION AND THEY WANT ME TO SEND A COPY OF MY ID AND SS #, IM AFRAID TO SEND THEM MY INFORMATION DO THAT NO ONE LISTENS TO ME. I HAVE ALSO TOLD THE 3 CREDIT COMPANYS THAT THE INFORMATION THEY HAVE IS AFFECTING ME AND MY FAMILY TREMENDOUSLY. I HAVE NOT BEEN ABLE TO BUY A HOME FOR MY KIDS NORE HAVE I BEEN ABLE TO PURCHACE A VEHICLE SINCE THE LAST ONE WAS BURNED BY MY EXHUSBAND. I HAVE SEND ALL THEM COPIES OF THE POLICE REPORT STATING THAT IM A VICITUM OF IDENTETIY THEFT AND THE PERSON WHO OPENED THOSE ACCOUNTS WAS MY EXHUSBAND AND HIS SISTER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DONT KNOW WHAT ELSE TO SEND THESE COMPANIES TO MAKE THEM UNDERSTAND MY SITUSTION AND HOW IT HAS BEEN AFFECTING US , PLEASE HELP, ANY ADVICE IS WELCOME
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 3 to 9 of the attached credit report. ) These multiple accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$1500.00} through XXXX from my XXXX XXXX account to my Chase account. Even though XXXX will not transfer money that is not available, Chase decided not to make funds available until XX/XX/XXXX. On XX/XX/XXXX I transferred {$1600.00} and the funds again were not made available. When I called I was advised that I should simply wait. There was no reason for the lack of availability except that I was simply unlucky. The difficulty is I have been advised by Chase that if I deposit a check, it will be held for five days and therefore the only way for me to move money expeditiously is through XXXX. Still, they refuse to make funds available. I believe this decision has been made to encourage overdraft behavior so they can capitalize on customers who are having financial difficulty. In the case of both transfers, the funds were already removed from my XXXX XXXX account, limiting my ability to spend. Whether I need groceries, to pay rent or keep lights on, the decision to arbitrarily hold funds they have clearly received ( this was verified by phone call ) makes no sense, unless they are trying to find ways to generate income by exploiting financially vulnerable customers. Banks should be required to let clients know if and when they are going to hold funds and the decision should be consistent and reasonable, including they should never be able to hold funds they have already collected, particularly when the method used to transfer has no way of recalling the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXXXXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

I OPENED A CREDIT CARD ACCOUNT WITH CHASE IN XXXX OF THIS YEAR ( XXXX  ) ; AND SINCE THIS TIME CHASE IS REPORTING MY MAIDEN LAST NAME ON MY ACCOUNT AND NOT MY LEGAL MARRIED LAST NAME. I HAVE SUBMITTED ALL REQUIRED DOCUMENTATION AND CHASE WILL NOT UPDATE MY LAST NAME CORRECTLY. EACH TIME I CALL OR GO INTO A BRANCH A REPRESENTATIVE TELLS ME THAT MY LAST NAME HAS BEEN UPDATED AND IT ALWAYS REVERTS BACK TO MY MAIDEN NAME.
Product: Prepaid card

I am experiencing an ongoing issue with a company called Tomo Credit, which has been charging my credit card {$19.00} every month for the past two years. Despite never having conducted any business with them, they continue to deduct this amount from my account. I have attempted to block these charges on my credit card, yet they are still managing to process them. Additionally, I have tried to reach out to Tomo Credit for assistance, but my efforts have been unsuccessful, as they operate exclusively online and I have not received any response.
Product: Student loan

On XX/XX/XXXX I uploaded a completed XXXX XXXX XXXX XXXX XXXX XXXX Netnet XXXX XXXX. I received a notification that Nelnet had received the loan forgiveness application and would take XXXX days to complete the request. 

I received a letter from Nelnet dated XX/XX/XXXX that my loan forgiveness application was materially complete had been forwarded to the Department of Education for their review. In the beginning of XX/XX/XXXX I received a second letter from Nelnet dated XXXX XXXX stating I needed to resubmit my application. 

To recap I submitted XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and received XXXX different replies from Nelnet to this XXXX submission. The first reply found no problems with my application submission and forwarded my application to the Department of Education while the second reply stated my application needed to be resubmitted and my application is on hold at Nelnet.
Product: Credit reporting or other personal consumer reports

I am having a problem getting my free annual report XXXX XXXX, XXXX and Equifax. I want XXXX XXXX, XXXX and Equifax to mail me a copy of my free annual credit report. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota XXXX License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Product: Credit card

Legal notarized doc Power of Attorney became active, and on XXXX was faxed to the company. 
onXXXX company was called, agent located faxed doc and proceeded to work on the credit card account in question -lowered credit line -created new account with lowered credit line on original account lowered.

-noted refuted charges -payment on lower amount mailed XXXX 8days lead time 1st class mail before due date. 

sometime after XXXX received letter from company to provide my ss # to identify myself that it is there policy. I refused and offered a copy of my drivers license they declined to accept.

new bill in-late and interest balance on refuted amount and said they couldnt talk to me on the account member holder because I didnt give them my ss # for identity.

-
Product: Credit card or prepaid card

I am requesting for a late payment from XX/XX/2020 be removed from Discover Financial Services LLC on my credit report. My household was greatly affected and experienced financial hardship from COVID-19. 

I contacted Discover Financial Services in advance to make them aware of my situation and two request were made to Discover Financial Services LLC asking to remove the late payment which were both denied.
Product: Credit reporting or other personal consumer reports

I purchased a car that was illegal to sell by the dealership because it was a stop sell. They took XXXX months to tell me the contract didnt go through and that I need to get resigned but I need a co-signer now. They had been running inquiries for XXXX months behind my back trying to find a way to cover up the contract that was done. I have no way to get a car if my credit has been so impacted. 
I also have some other items that can be removed and should have been legally after dispute and they were supposed to delete. Now I keep getting the same collection companies with new owners which isnt fair for a medical payment insurance already paid. 
I want to have the inquirys removed, American Express legally shouldnt have anything on my credit report it was a court case ordered and dismissed by the judge and American Express but they keep placing it there making my credit report show so much more usage thats not true and penaltiZies me. I am on XXXX XXXXXXXX and have a son thats now an adult with XXXX XXXX needs so my credit is all I have on a limited income and no work XXXX just XXXX and bank statements. If I could get help cleaning that off because its obvious that over XXXX inquiries for auto are on there. As you see on my credit my last car loan was paid in full but its not helping me when its dragged down by other things not related to my payment history or how credit worthy I am the score just takes a hit because my situation economic and financial proof without a work history or XXXX. Its not fair my bank statements for months have to be shown just to prove I am not a risk because of my score being damaged by these things. I have a XXXX lenders it seems my application gets sent to and continue to rerun. I have case and court papers to prove that whats on my credit report should be taken off. I have disputes that were won and deleted then put back on. Its just not right to have so much inaccurate information that really prevents me from living and providing for my family. I should not have to pay to have these reports fixed weekly or every other time someone illegally buys debt as a trade without documentation of it being accurate. They have the means to damage a social security number which is so fraudulent. Please help and protect the rights I have to protect myself
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to my complaint regarding Trans Union. My original complaint filed with the consumer financial protection board and a number XXXX. The complaint was closed out because they claimed it was a duplicate complaint and that it had been responded to. Partially very true partially very false. It is a duplicate complaint. Trans Union did respond to my complaint. But in effect in my complaint I asked for 2+2 equals and they answered the cow jumped over the moon. Yes they did respond to my complaint but they never answered it they danced around it like XXXX XXXX. My complaint was why did they show me as being delinquent on a loan when I wasnt. They claimed I shouldve contacted the mortgage company. I did contact them before I ever contacted Trans Union. They cooperated and gave me copies of all reports they submitted to Trans Union. They never told Trans Union I was delinquent on a loan. Trans Union has yet to answer my question why they show me delinquent on alone when I was not. So yes this is a duplicate of a duplicate of a duplicate. And its because Trans Union has answered questions that were never asked. For example Trans Union responded to my complaint at the freeze was removed. But I never complain to Trans Union about the freeze not being removed. I will restate it again Trans Union went public With me being delinquent On a loan and I wasnt in the bank never reported it. And a base that and all documents given to me by the bank. So Ill ask again for Trans Union give me a copy of the report they claim they got from the bank stating I was delinquent or answer why they showed me is delinquent when they never got a report from the bank
Product: Debt collection

Monterey collection svcs on XX/XX/2022 this is not my account I did not apply for this account the amount shown is XXXX I dont owe this before I never opened account
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite of using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to report or investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and upsetting and it raises concerns about consumers safety.
Product: Checking or savings account

On XX/XX/22 a fraudulent withdrawal in the amount of {$200.00} was taken from my acccount ane the bank will not acknowledge it was fraud and has not credited back to my account the funds which were stolen.
Product: Checking or savings account

I had been receiving unemployment funds from the state of Michigan and up until XX/XX/2020, my daughter would withdraw the funds and give these to me. Upon a security review, PNC had been made aware that the funds were supposed to be debited to me, XXXX XXXX, however, the name on the bank account was XXXX XXXX. I have not been able to receive the deposit of {$2400.00} that unemployment sent to me because PNC subsequently closed the account for the review, however, still allowed deposits to come through. I received all funds for which every deposit had been made except for the deposit of {$2400.00}. My daughter has made several claims against PNC and after an initial claim they stated unemployment needed to call and request the funds back and after an additional claim, PNC stated we politely decline to return the funds. These funds need to be returned immediately as it has been over 3 years since that deposit was made. Unemployment stated that they reached out to PNC to request the funds back and have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have brought XXXX in the mix so both can mediate with each other. I have attached documents from the day this happened. Currently, Early Warning Services has blacklisted me due to an issue with Account Fraud. Because of this, my banking access has become restricted, particularly with XXXX XXXX XXXX XXXX. 

As of XX/XX/2022, the XXXX  XXXX XXXX account ending in XXXX is the only account that is causing the restriction in the system. It's fully paid for, my other current accounts are in good standing will positive balances. If any low balance were to happen, it's been taken care of immediately in a timely fashion.
Product: Money transfer, virtual currency, or money service

I am writing this complaint as I received an underreported notice of income from the IRS. I purchased XXXX with Cash App in the year of XXXX and I did not report it or pull the documents early in XXXX when they became available. The problem is that after tirelessly trying to obtain the XXXX form for cryptocurrency losses from Cash App for XXXX whole week, reported under Block, Inc, I have been unsuccessful. I attempted to call numerous times and use the chat feature on the app, but they are unable to provide me with the XXXX in any other medium besides on the app under the document section. The problem is that they are not there. Cash App customer service has sent me in a loop, referring me back to documents in the app, but there is nothing there for XXXX transactions. After trying again, they referred me to their tax preparation side of the app, but I did not use them to prepare my taxes and that division would not have any information on me. I attempt to call or chat again and I get the same results. I have attached some of the email communications with Cash app customer support to show that this cycle they are sending me on is true. I have also attached a screenshot of my documents section on the app where there is no XXXX area to select. I have even consulted with a lawyer about trying to get these documents from Cash App but there is a {$2500.00} retainer. I wish they could just pull the documents using my social security number and send them to me in some form or fashion but they are claiming it is for security reasons, which I understand. In the end, if I had that document, I would be in the clear with the IRS, but I am having trouble with the financial institution of Cash App providing me with what I severely need. I can not afford the adjustment that the IRS is proposing because Cash App wont provide me with the XXXX or other documentation proving losses. I thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax I did not XXXX or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter.

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Checking or savings account

I have my account set up to NOT pay debit card transactions if the money is not there. Chase KEEP paying debit card transactions anyway when the money is not there and they them make my account go negative. They then force me to close my account for bogus reasons. They are not honoring the agreement to not pay items when the funds are not there.
Product: Student loan

ACS Educational Services , Inc. otherwise known as XXXX is using my entire social security number as a loan identifier. I have sent letters, e-mails, and was assured that the trade line would be removed from all XXXX major credit bureaus. This has been going on for one year. Only XXXX credit report is showing that the trade line has been removed. In addition to this matter, my social security number has been disclosed at XXXX local branches on a computer generated print out. No investigation has been done to find out who is exactly doing this. In addition to this matter, a small claims civil suit has been filed because of this stupidity on the part of ACS who, by the way has over XXXX complaints and is increasing daily. WHO wrote these stupid policies in regards to utilizing a students ' entire social security number as a loan identifier? Guess what else ACS, the student 's are going to find out that you indeed did do this and ACS can expect to be in court XXXX. Then, I hope you are put out of business for good and I hope a class-action is initiated on different levels and multiple fronts. I have filed numerous complaints on different sites in order to show the level of stupidity to include contacting XXXX in regards to this situation. I am afforded that right to do so.-Period! This is financial terrorism and I do n't care what anyone says in regards to this matter. I do n't plan on treating those who may or may not show up to court with respect at all- period. In fact, representatives from ACS will be grilled with questions, truth, and evidence. I am going to shun you and then I am going to turn on the mute button and only answer the Judge. You can expect the questioning in the cross-examination to be very brutal.
Product: Mortgage

SLS is attempting foreclose on my home a fraudulent robo signed assignment. The assignment was created after the cut off date of the pooling and services agreement filed with the U.S. Securities Exchange.I also revoke the power of attorney that XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX has. I have sent 2 QWRS and a debt validation letters. I submitted a complaint on XX/XX/XXXX, and they still have my home in foreclosure
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I called bank of America about my stolen edd debt card someone had ran up {$7000.00} worth of purchases on my card it took them 2 days to dismiss the report.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. These accounts was all open FRADULENTLY. This is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 
ALSO, This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered IncomXXXX, it has to be removed. Income can not be reported on credit files Here is the account I am asking you to verify. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX