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

I would like to file a complaint against XXXX, Transunion and XXXX   regarding XXXX College. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or discharged through Bankruptcy Chapter XXXX. '' I would like for XXXX, Transunion and XXXX to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a XXXX balance but I want proof of the account or I want it removed from my report.
Product: Mortgage

Freedom Mortgage was increasing my monthly payment each year even though I had a fixed rate mortgage. When I questioned it, they said I had to keep a certain balance, {$520.00} in my escrow. The next year, I had over {$700.00} in my escrow when the anniversary of my mortgage hit, they waited until two months after the anniversary of my mortgage, after my escrow dipped below {$500.00} and then the upped the amount of my mortgage payment again. When I questioned it they said they would look in to it and never got back to me. I recently sold my house and they were very difficult, they wouldn't give the title company the payoff even though I signed paperwork that they said the could. In the payoff, there were two months of Mortgage Insurance Premium. When I asked about it they said because it was because it is paid in arrears. So the entire amount was paid at closing. As of the date of the closing, I had {$90.00} in my escrow. They are refusing to return it to me. They are now claiming it is for mortgage insurance premium. However, as stated, that was paid at closing. They are unethical and should not be allowed to due business. They make you increase the amount you keep in your escrow every single year, they claim they don't make money of the escrow accounts but I find that highly unlikely. They need audited.
Product: Credit reporting or other personal consumer reports

I discovered this afternoon that my credit report contains unauthorized inquiries, and I have no idea how they got there. I regularly check my credit report, but this time, unexpected discrepancies appeared. I refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. I am deeply frustrated and urge you to carefully review the documents Ive provided so that I can finally stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1100.00} ), XXXX XXXXXXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Balance {$2700.00} ), XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/XXXX, Balance {$6800.00} ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$9200.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on XXXX, Experian the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to XXXX no respond. They are clearly in NONCOMPLIANCE with METRO2 reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.
Product: Debt collection

I have made several attempts to remove this account that is reporting inaccurate information against me to the credit bureaus & third part agencies, this company refuse to validate or investigate this matter properly to clear my innocence. after inputting several requests pleading for a fair investigation multiple times with this collection agency & all three bureaus ( XXXX & XX/XX/23 ) & all three bureaus no had a not even a drop of empathy. this matter has caused a dramatic negative impact to my life & everyday living. I never gave authorization or signed any contract to have my personal information passed around nor over to AMERASSIST A/R SOLUTION who continues to tarnish my name. this unfair discriminating behavior has caused me to be viewed as unreliable & untrustworthy individual, I am being judged before even getting an opportunity ; how injustice is this. someone please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company XX/XX/XXXX ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Inquires / Company XXXX / Inquiry date XX/XX/XXXX Company Synchrony Financial / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company Synchrony Financial Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company Synchrony Financial XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My concerns & problems come from Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs findings indicate that Zelle has not 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 am writing to dispute several accounts on my credit report that contain inaccurate and unverified information. As a result of these errors, my credit score has been significantly impacted, making it difficult for me to obtain financing or credit when needed. 

I have made multiple attempts to address these inaccuracies with the creditors and the credit reporting agencies, but they have failed to correct the errors. Therefore, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to help enforce my legal rights and protect my credit. 

One particular account I want to highlight is the XXXX XXXX account, which was closed in 2017. According to my credit report, it was charged off and has since been sent to a collections agency. However, to the best of my knowledge, this account was never paid late, and I have not received any notice of it being sent to collections. This reporting is completely inaccurate and is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

Another account that I dispute is the XXXX XXXX account. This account has been reported as unpaid, despite my records showing that it was paid in full and closed years ago. This incorrect reporting is damaging my credit, and I demand that you update this account and delete the inaccurate information immediately. 

In addition to these accounts, I dispute several others that I have no recollection of even belonging to me, such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts. I demand that you remove these frivolous accounts immediately from my credit report. 

Furthermore, there are several unauthorized inquiries on my credit report, such as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I demand that you remove these inquiries from my credit report as they have reached the statute of limitations and were not authorized by me. 

Finally, I want to share a personal story of how these inaccuracies have affected my life. Due to the inaccurate reporting on my credit report, I have been denied credit and financing opportunities that I needed to take care of my family and business. This has caused me a great deal of emotional and financial stress, and I am at my wit 's end with the constant battle to get these errors corrected. 

Therefore, I demand that you take immediate action to update and delete the inaccurate information on my credit report, specifically for the accounts mentioned above. I am prepared to pursue legal action if necessary to enforce my legal rights and protect my credit. 

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

Capital One Employee ID 'S # XXXX and XXXXXXXX employee  # XXXX both are violating the FCRA buy their lack of ability to post a full payoff upon receipt of the funds. I was advised that Capital One can take up to XXXX days to receive a payment ( it already cleared my bank days ago ), that has been sent regular mail, and that they will hold that payment an additional 5 days before posting. So essentially the additional 5 days will cost additional interest and potential late charges making the payoff amount invalid.
Product: Credit card

I reached out about a month ago to Chase bank to apply SCRA ( Service Member Civil Relief Act ) benefits to my account in order to reduce the interest rate and credit back interest paid and any late fees dating back to XX/XX/2023. 

The Bank refuses to do so or recognize my military service and is the only bank I have reached out to that refused to apply the benefit after I provided proof that I joined a new branch of the military. 

The SCRA States " The rate reduction for pre-service obligations applies during the period of XXXX XXXX service for most loans and, for mortgages, for an additional year after the end of XXXX XXXX service. When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on XXXX XXXX. Your lender cant add the amount of interest above 6 percent back into the loan later on after you leave XXXX XXXX. You can request an interest rate reduction from your lender at any time while you are serving on XXXX XXXX and up to 180 days after release from XXXX XXXX. 

A lender cant revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender cant furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances but you still have to pay back your debts. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

During a dispute of the type of fee charged to my account Chase stated that they would credit back the {$10.00} fee as a courtesy ; however, later charged the fee back to my account. Their previous email did not indicate that the credit would be reversed dependent upon what occurred with the dispute. This appears to be a deceptive practice towards consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to request my annual credit reports from Experian and XXXX ( XXXX  works fine. ) Experian wants me to mail a request form which is a hassle but reasonably acceptable. 

XXXX wants me to mail a request form with an absurd quantity of personal information ( see below ) which would leave me open to identity theft should that mail be misdirected. 
********************************************** Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address.

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills )
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple hard inquiries that were added to my credit report without my authorization or a permissible purpose. 

I never applied for credit or authorized these companies to access my credit file. I submitted disputes to the credit bureaus and requested verification from the furnishers involved, asking for documentation proving my consent or a valid business reason. None of the companies responded or provided proof of authorization.

Under the Fair Credit Reporting Act ( FCRA ), inquiries require a permissible purpose ( 15 U.S.C. 1681b ), and unauthorized access is a violation of my rights. These inquiries were not initiated by me and continue to negatively affect my credit profile.

I am demanding full deletion of all unauthorized inquiries from my credit report due to lack of verification, no documented consent, and violation of FCRA standards. These are harming my credit score and financial opportunities.
Product: Credit card

On XX/XX/year>, I had my backpack stolen at a supermarket parking lot. Inside my backpack was my Cell phone, wallet, Driver License, and Sofi Mastercard credit card. On XX/XX/year>, I contacted Sofi Credit Card customer service to report my credit card stolen. I was told there had been charges made on my account that day for a {$5500.00}. I explained to the representative I did not use my credit card for any transactions that day and was told I'm not responsible for unauthorized transactions that posts to my account. On XX/XX/year> I received a call from a fraud analyst from Sofi credit card named XXXX. I was asked a few questions regarding what happened the day of the incident. I explained the situation and I also sent over the police report I filed. On XX/XX/year> I noticed on my Sofi credit card the fraud charge was placed back on my account. I contacted the fraud analyst and was told The claim had been denied because there was not enough evidence to support a fraud claim. The fraud agent also said, she did not think fraud occurred on my account. Once again I explained the situation, and was told the claim was Denied and to contact the merchant and police for reimbursement but there's nothing more that could be done. 

This situation is completely unfair. I am a victim in this situation. I had my belongings stolen and credit cards used without my consent and Sofi bank wants to hold me responsible for fraud charges I did not make. I explained to the fraud analyst to get video surveillance from the merchant and with that it will show I was not the person who made the XXXX XXXX XXXX charge for {$5500.00}.
Product: Debt collection

This Medical Debt Collection on Credit report for ACCOUNT RESOLUTION SERVI keeps being removed then reappears back on my credit report fraudulently!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to inform the XXXX, Equifax and XXXX Credit Bureaus that I have been a victim of identity theft. After conducting some research, I discovered the necessary steps to address this issue. To remove the fraudulent inquiries from my credit report, I need to file an identity theft report with the Federal Trade Commission ( FTC ). You can find more information on this process at their website : https : //www.ftc.gov. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are obligated to remove and block any inquiries listed on an identity theft report. I have attached the relevant documents to aid in the removal of this erroneous information that has been posted on my report. Below is a list of inquiries that are not associated with me and were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SOLUT XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Also, according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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.
Product: Credit reporting or other personal consumer reports

AS PER GUIDANCE FROM THE CONSUMER FINANCIAL BUREAU ( CFPB ), THE DOCUMENT NEEDED AND A LETTER FROM AN ADVOCACT GROUP HELPING ME DUE TO HUMAN TRADDICKING DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5- - 1002.142 ( B ) ( 7 ) ( 7 ). I KINDLY REQUEST THAT YOU BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OD DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM COMPANY INFORMATION TRANSUNION. PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES : XXXX XXXX - {$360.00}, XXXX - {$190.00}, XXXX {$3500.00}, XXXXXXXX XXXX  - {$1200.00}, XXXX XXXXXXXX - {$480.00}, XXXX- {$560.00}, XXXXXXXX XXXX - {$690.00} XXXX XXXXXXXX XXXX - {$5300.00}, XXXX XXXX - {$2100.00}, XXXX - {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

My account Has been suspended with this company for almost 60 days. Initially I was told No further action was required from me. But after several weeks Of not being able to access my account I called back to further inquire. They then told me that there was an unauthorized transfer reported to my account, meaning someone is reported they did lot authorize a transfer of funds to me so they suspended my account and I was told they have 45 days to make a decision. They would not release any information to me on Who or what reported anything on authorized. They would not give me any information at all and they put a hold on all my funds. They then told me I am required to verify all/every transfers I ever received in order to clear this error. They would not release any information on which particular transaction was said to be on authorized, or who made the false claim, in order for me to specifically verify that transaction. Which is not only ridiculous to ask but tedious. But nevertheless I complied and agreed to verify all transfers ever received in order to clear up this mistake. It has been well over the 45 day allotted time frame and I have yet to receive a reply and my account is still suspended and my funds are still being held. I called today to inquire and the manager I spoke with told me the only thing they can do is send another email to the support team who has no phone access. She is a member services and they have no way to make the support team update any tickets or request. she recognizes that I have sent in many escalation tickets and none of them have been responded to but I was told that this is the only thing she can do and she has no way to release my funds even though I have submitted all documentation. 
After further investigation on my part, I contacted every person who has ever transferred me funds and all have confirmed that none of them reported anything fraudulent or suspicious to chime bank. I went a step further and obtained documentation from each person who has ever sent me funds and they all say it was an authorized transfer. 
This prompted me to do more online investigating and I see that I am not the only one who has experience this same issue with Chime. They randomly suspend accounts By saying there was suspicious activity reported or you are in violation of a policy, without giving any actual policy/reasoning or proof of these claims. They then stop replying when you try to receive your money. Or tell you more information in needed AFTER they use their 45 days time frame, in order to restart the decision time frame. They will not return funds to sender, or banking entity, and refuse to send a check to the mailing address. Even If they wish to close the account I am still entitled to my funds legally received. At this point I feel this company is attempting to scam people out of their money in hopes they will give up trying. There has been a major increase of this activity by this company since the pandemic started and people have been receiving unemployment.