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

On XX/XX/2023 I have communicated to XXXX, transunion, XXXX about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information for ID theft and XXXX XXXX is for XXXX XXXX and XXXX and the whole thing is for Experian I recently filed a complaint attached the Identity theft report to it Experian said CFPB can never do anything to Experian so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate Experian for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' Experian has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXX XXXX will be removed. All proof is attached to this complaint real forms that show XXXXXXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.
Product: Checking or savings account

I am filing this complaint against Bank of America for failing to fully reimburse me for unauthorized transactions on my account. 
I filed a claim with Bank of America for {$16000.00} due to unauthorized transactions. After an extended review, on XX/XX/year>, they determined my claim was Paid, yet they are only reimbursing {$4000.00}, leaving over {$12000.00} unpaid.

Bank of Americas reasoning is that some transactions were disputed by the merchant, but others were not, so they cant determine if true fraud occurred. However, under Regulation E ( 12 CFR 1005.11 ), the bank is responsible for proving that I authorized the denied transactions, which they have failed to do.

Why This Is Wrong : 1. Bank of America already determined some
transactions were unauthorized, which confirms fraud occurred.

2. A merchants decision to dispute or not dispute a charge does not prove that I authorized the remaining transactions.

3. Regulation E places the burden of proof on the bank, not me. They have not provided any evidence that I made these charges.

What I Am Requesting : 1. Immediate reimbursement of the remaining $ XXXX that was wrongfully withheld. 
2. A formal explanation from Bank of America with documented proof that I authorized the denied transactions.

3. Enforcement of Regulation E to ensure full compliance with consumer protection laws.

I request immediate regulatory intervention to ensure Bank of America follows the law and refunds my full claim.
Product: Checking or savings account

Hi I had an account with wells Fargo 4 accounts which some were closed due to overdraft fees that never were returned also an account that was open with out my consit bfor XXXX XXXX credit which resulted in all credit to show in and against my credit I have reported to them that these account were closed and there was amounts that were fraud but they gave me the run around I been calling them about it since 2017 p
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 those account 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 21 days before the payment due date. 


XXXX XXXX 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 21 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: Money transfer, virtual currency, or money service

Proof that your specialist XXXX baited me into taking an action so that he could suspend my account. And proof that all the cards I tried to add during his temporary fix were mine. I was trying to add as many cards as I have because he said the fix was temporary. I didnt want to have to go through the whole process of reaching you again. Then AS SOON AS I added my cards, he suspends my account. Absolutely unacceptable considering I didnt use it a smidge at all except for trying to add my cards. 

Also delete any other accounts in my name. I did not authorize their creation. My brother created them in my name while I was in a psychiatric hospital from XXXX til XXXX. He killed himself last year. So Id appreciate you getting rid of those accounts. Also delete the expired card on my account. Also it says I have a business account. I dont! Get rid of that. 

Reference prior cases in which you 1. Suspended me, 2. Accused me of submitting a fake ID and then got proved you were wrong and it was real, 3. Unsuspended me, 4. Wouldnt let me add a card, 5. Gave me EXPLICIT instruction that youd enabled me to add a card, 6. Suspended me AGAIN immediately after I added my cards. Absolutely ridiculous and baiting me into taking an action so you can shut down my account has to be some form of illegal under banking regulations and I am determined to find this law. You cant just manipulate people like that when it comes to finance. 

Prior cases : XXXX XXXX XXXX READ THEM ALL. 

Attached is your own email with explicit confirmation that I could add a card. All my cards that I tried to add with my name on all of them. My drivers license. 

Fix this once and for all, and please terminate XXXX XXXX for his blatant negligence and baiting me so he could deactivate my account. 

You are YET AGAIN wrong in your accusations against me and yet again being proved as such.
Product: Credit reporting

I disputed a judgement that has been vacated. They refuse to remove this and say it was verified. I have written documentation that it has been vacated and should be removed from my report.
Product: Checking or savings account

Chime bank is a deeply negative crooked scam company that does nothing to help their customers. I had an account 4 months, noticed an unauthorized transaction and emailed XXXX they sent a new card with a hold on my account once I got the card I activated it and immediately was suspended on their section 9 that states they basically can close your account for no reason WITHOUT A REFUND!!! this is an absolute outrage, Ive had my unemployment and sba loan saved up after our business burned down in the wildfires in California. This is not legal for them to take away covid 19 disaster money, especially during a pandemic with XXXX children that need food and supplies Ive gotten 4 different emails telling me different things, so confused and overwhelmed by frustration Ive sicken my stress into XXXX and had to rush to XXXX XXXX
Product: Credit card

An account for Capital One was opened in my name in XXXX of 2023 and now has an outstanding debt of {$660.00}. I did not open this account the account was opened by my mother and she is very aware of what shes done. I was told by capital one that I can never receive services or cards from them because I am delinquent and it hits heavy on my credit report and score. Its also a struggle to apply for any credit cards or even get a small loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent a letter to dispute a medical collection on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation.
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I have requested that this file be removed from my Transunion CB, I received response from Transunion that this account was verified as accurate and updated.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name without my knowledge or authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and any related inquiries from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$140.00} XXXX. XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$160.00} XXXX. XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$17000.00} XXXX. XXXX  XXXX  - XXXX - Opened : XX/XX/XXXX - Amount : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting this complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Here is the account of which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX I XXXX Date opened XX/XX/2022 Balance {$220.00}
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ; Account Number XXXX ] YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XX/XX/2023 Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

I am writing concerning my below. I am retired with one income. I had everything ok until the past few months. I made a complaint but M & T used my ex-husband 's account. The employees do n't know what is going on with my account and I have tried everything to get answers to no avail. I have applied 4 different times for repayment assistance and have heard nothing back. I need help and ca n't lose my home. Someone needs to investigate M & T because they are awful and are incompetent. Please help me I do n't know what to do. M & T keeps mixing up the two accounts and I feel I have done everything to fix this. I feel they owe me to fix this. I feel my account should be caught up to date without any negative affect on my credit. M & T should write off my past due and clear my account back to up to date and good credit rating. Thank you, XXXX my account number is # XXXX. Home equity Please make sure M & T gets it right
Product: Credit reporting, credit repair services, or other personal consumer reports

Want XXXX to stop reporting my credit report to the bureaus they are violating my rights as a consumer and if they dont stop I will take legal action against them. Also take all 4 bankruptcies off of my credit! I dont have to share any of my personal information with XXXX if I dont want to and I dont want to share any personal information with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Checking or savings account

I tried to be removed as a joint account holder for a XXXX checking account, but I was unable to unless the account was closed by the primary. I tried to contact him as well regarding it and to close it since we are no longer together, but he was immature and refused to close it and open a new one for himself. The bank would not further help unless he calls in and closes it. I need help getting the account closed, because I do not consent to have my information apart of this account and do not have a card or any other connection with the person who wants the account kept open.
Product: Debt collection

My son had an injury while we were vacationing in XXXX Florida. We had insurance but there was a problem with the XXXX XXXX accepting the insurance for some reason. We provided the insurance information but somehow they disputed we had coverage and would not accept the proof of insurance later.
Product: Student loan

On XXXX XX/XX/year>, I logged into FIRSTMARK to make another payment, despite the fact that my last payment has not been allocated across all accounts as my payment confirmation says OR as I requested of FIRSTMARK. Upon logging in I saw that despite paying {$2000.00} since my last payment due date, despite having a monthly payment of {$910.00} and despite having a daily interest of about {$22.00}, my interest accrued was being quoted as {$980.00}. 

This does not add up. I called FIRSTMARK asking for an escalation, ( and interestingly enough they introduced as FIRSTMARK Trust although they claimed to not me the owners of my loan thats the same name odd ), although I was sent to a specialist I was refused a supervisor stating the person who could talk to me was unavailable. I asked if they only had one supervisor, to which they again stated, that the person who could talk to ME was unavailable and refused to give me another supervisor. I asked for an audit of my account. I was told leadership had to approve it. I was also told that they just needed to explain the way interest worked I informed them that there was no way to explain how I missed no payments AND was ahead on payments yet my interest is higher than my monthly payment. 

I am scared to pay again because I fear they will not correct my account yet if I dont pay I will owe more in daily interest. 

I will attach proof and hope that there will be Federal intervention with FIRSTMARK and their deceptive practices. 

As I have stated before, I would prefer not to go through CFPB, I would be able to email/ call for assistance from my servicer yet they have not even returned my last email. Despite confirming receipt and being notified that I would hear back in days. It has nearly been a month so unfortunately I have no choice.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was 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 and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some discrepancies on my credit report in which i disputed it with the credit bureau XXXX, Transunion, and XXXX. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. XXXX, Transunion And XXXX made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request Transunion, XXXX and XXXX to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against XXXX.
Product: Credit reporting or other personal consumer reports

I purchased Tomo credit to receive a credit card and credit booster for my credit report they ran a vip promotion where they sent me countless emails and I thought I give them a try since the purchase almost XXXX weeks ago if not longer now I can not get into contact with anyone on the phone I have screenshots where in ther private portal no agents are available at any time of the day to receive questions or answers for customer service also they disconnected the Tomo credit card which was the whole reason I wanted this service on top of that the boost was supposed to give be a credit builder I have heard nothing or talked to no one and website needs update plus they send me email still as of I have not brought the product at this point I think this company is a scam and something needs to be done about it because they are scamming people of of there information as well as money and I am getting my refund back and letting you know about this company.
Product: Checking or savings account

my buiness checking account was hacked mid XX/XX/2019. I have been working with the bank to get the issue resolved for several months. I have closed accounts, talked with bankers in person nearly half a dozen times, filed a police report, frozen my credit and have been run around and ignored the entire time. The bank has declined my claim has refused to respond to my requests as to what is going on and now is just straight up ignoring me.

I need help to get my money back its been over 3 months!

I have attached copies of the police report to show proof of what is going on
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip 2 inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX XXXX