23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Since XX/XX/2021 my US Bank ReliaCard, which is where my Oregon Child Support Funds are deposited, has been inactive due to an attempted ACH transfer that was in question. 

Back in XX/XX/2021 I verified that the ACH transfer was attempted by me, and was told that all I needed to do to unlock my account was upload my Florida DL via web portal, and that my account would be activated within 5-7 business days. I immediately uploaded the copy of my ID and my selfie, as requested by the verification site, but weeks went by and my account was still locked. 

I called back, and once again was given the same information, so I once again uploaded my ID and selfie to the portal, and proceeded to wait. After another 2 weeks my account was still locked. 

I called 4 days ago, and was told they were escalating the situation and that I would be able to call back later in the week for more info. 

I called today and was given a completely different story than what I had previously been told which was that what needed to happen is that I needed to verbally verify, once more, that the transfer was initiated by me on XX/XX/2021, then fax or upload my ID directly through my mobile banking website. I proceeded to do this immediately after getting off the phone, waited a couple hours, then called back for a status update. 

When I called back, the customer service agent was extremely condescending, laughing as she told me that there is nothing she or the supervisor could to to help me. She finally transferred me to supervisor XXXX, who was able to verify that my info was received today, and told me that I would have to wait another 5 days before my account would be unlocked. She said there is no way to contact the department who does the verification, and that I would just have to wait. 

On top of it all, when I told XXXX the supervisor about how I was treated by the other agents, she simply said she would take note of it. I told her that she needed to speak with her staff, which she just ignored. 

The problem - aside from the 6 week runaround and misinformation that Ive been receiving - is that I had done every thing that I was asked to do, multiple times, and still do not have my money, which I desperately need to pay my rent today. 

On top of that, I was mocked, laughed at, and made to feel stupid for being upset about it. 

After doing a quick web search, it seems that US Bank ReliaCard has a bit of an issue with this situation, that has been repeated time and time again for numerous customers, all of whom needed their money to survive. 

Child support, unemployment and other types of government funds are not something we receive for fun or pleasure. This is the money we use to pay our bills and live, and this kind of treatment needs to come to an end.
Product: Mortgage

XX/XX/XXXX My brother XXXX XXXX XXXX, ( borrower ) bought home : XXXX XXXX XXXX XXXX NJ XXXX, his wife at the time : XXXX XXXX ( co-borrower ) aka ) XXXX XXXX/XXXX  XXXX/XXXX XXXX/XXXX  XXXX whom had also used my name : XXXX XXXX/XXXX XXXX through HUD ( XXXX XXXX program ) XX/XX/XXXX The 2 divorced in XXXX County NJ. My brother sold ( I was told ) XXXX the home for 1 . XXXX added a hand written clause to the divorce documents, stating XXXX to refinance home solely & only in her name within a reasonable amount of time. She failed to do so. XXXX filed Deed to XXXX NJ XXXX, then refinanced using my brothers name as borrower. Agreements were done through mail & phone calls. 
XX/XX/XXXX My brother passed from XXXX  XXXX. 
XXXX XXXX XXXX  sent a letter to my son to contact them regarding XXXX XXXX  in XXXX XXXX. ( back in XXXX the 2 companies merged for a 1st time homeowners deal ) XX/XX/XXXX XXXX passed from XXXX  XXXX XXXX. Her husband XXXX XXXX XXXX, stated the home was now his. knowing & depriving heirs of information ( some of this is mentioned above ). He & his brother n law XXXX  XXXX began what I believe is fraudulent acts. 
XX/XX/XXXX The 2 had an assessment done on the home, stating ownership through XXXX & lied, stating no one lived there. Recently I found that plans are to sell so property can be used for project : XXXX XXXX. The 2 took over XXXX 's XXXX XXXX   Account, then the 2 opened a joint account, & XXXX opened 1 for himself there, as well as an account with XXXX XXXX. 

I think I am, as well as other heirs are being prevented from any knowledge of rights to ownership of home, I believe I have & am continually being prevented from : financial resources, mail, transportation, as well as medical services. I don't want to believe this may be happening, due to fact, this is family, people I love & I am suppose to trust. I became very ill after XXXX passed & have applied for XXXX. Personal documents have vanished, indirect threats have been made, & I found that t am a victim of Identity theft, ( documents : XXXX XXXX  receipts/XXXX who used to located in XXXX NJ/XXXX County court record ) fromXXXX & recently mail suggesting I had requested information pertaining to myself. I am a Successor of Interest to said property as my brother had XXXX child, who passed of XXXX XXXX, & no other  children. I live in the house with XXXX XXXX, who was paying my brothers mortgage, ( delinquently ), & he legally is unable to have home trabnsferred ). He claims executor to XXXX Estate, bypassing Probate. Please Help
Product: Credit reporting

I had a chapter XXXX bankruptcy that was DISCHARGED case # XXXX this was discharged by the United States Bankruptcy Court on XXXX XXXX, 2015 but a few months passed and Equifax was reporting my bankruptcy as dismissed that is incorrect that is negative information it should have said DISCHARGED so i disputed the information. They failed to correctly report my bankruptcy after XXXX investigations i even sent them by fax my discharge letter which when i call Equifax they say they can see it on there computer? So after the 3rd attempt to change the verbiage from dismissed to discharged they totally REMOVED my bankruptcy from my credit file. Now all my accounts that were paid in full by my chapter XXXX discharge are reporting as late or charged off and it has seriously dropped my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded to repeatedly with verified as accurate without providing the requested documentation.I have specifically asked for an investigation and not an electronic or XXXX  verification and their method of verification but they continue to ignore my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly refused me access to my report " ON LINE '' I was intentionally blocked. So I am going to continue file complaints, as I stated cfpb has also refused to assist me in getting Experian to do the right thing. But since everyone has violate fair credit reporting act and violated my bill of rights. I have reached out to someone is higher than exxperian as well as cfpb I just have to get them time for their investigation. Since my concerns and request is joke to both entity. I will patiently wait to augh later so continue to do what you'll been doing and that's unprofessional. And defrauding consumers this is only paper trail/evidence. XXXX : XXXX XXXX XXXX I DO NOT CONSENT TO ANY HIDDEN OR REVIVED CONTRACT ( S ) OR COMMERICAL AGREEMENT ( S ). I RESERVE ALL MY RIGHTS, ALL MY RIGHTS I RESERVE UCC 1-308 WITHOUT PREJUDICE XXXX : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$540.00} on XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 15 of the attached credit report. ) I returned XXXX XXXX equipment pursuant to the packing instructions provided by XXXX XXXX, and now they are alleging that I never returned their equipment and consequently I am being sent to collections. I never received credit for returning the equipment. I do not owe this debt. I returned the equipment as instructed, and it is not my fault that the equipment was misplaced at the warehouse/storage facility. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( es ) : 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 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

Debt collection company is trying to collect a old debt that is passed its statute of limitations time period. It was already disputed and taken off my credit file which I believe was XXXX. Which I believe makes the debt fraudulent if further pursued. Collection agency threatened if debt is not paid it will result on my credit file again which was already disputed and taken off my file about XXXX months ago roughly. The debt dates are also inaccurate stated the debt was XXXX/XXXX/2018, Realistically the debt dates are inaccurate and passed the 7 year statute of limitations, debt amount is : {$310.00} XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ID XXXX XXXX
Product: Checking or savings account

Bank of America closed my account for no reason, and I cant give a reason. I have used Bank of America for more than three years and the account was closed, but the account was about XXXX, but a check of XXXX was returned, and another XXXX has been about 8 months so far., I have never returned or exchanged, I have been pushing to call customer service, and have not given an accurate answer
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sold my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I owed XXXX on the vehicle. XXXX purchased the vehicle from me for XXXX and I paid the rest of the loan XXXX. I immediately emailed XXXX XXXX with the documents and called the verify. They said the vehicle was not paid off. I gave them proof it was. Weeks later and they havent sent me any paperwork confirming that the vehicle is paid off and it is still appearing on my credit score. Ive called and they said my account is in recovery which I am unsure what that means. I need this resolved. They keep giving me the run around and dont respond to my emails. The customer service representatives are unhelpful. Additionally, the vehicle has even been sold by XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

This is the third time I've reported Experian for incorrect information on my credit report. Does your company do anything about it, or just send my complaint to them? Does the CFPB have any teeth or are you all bark?! 
I have an account on file with them from XXXX XXXX Bank that shows an outstanding balance of over {$800.00} dollars. 
XXXX has closed this and sent several AUD 's to Experian. However, it still exists on file and has now screwed me over when I tried to lease an apartment. This is absolute garbage. I called Experian several times and they keep telling me that because I already disputed it, they can't do anything about it. However, they never fixed it. So now when I try to tell them it's not correct, they dismiss it. XXXX has also contacted them and they've done nothing. I'll be filing against someone and would like to know who is responsible for this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several unknown inquiries with XXXX and Experian on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies. I want these inquiries deleted immediately. Lastly XXXX and Experian failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX AUTO FINANCE ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX CAR CREDIT ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Retailer ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX AMERICAN CREDIT ACCEPT Auto Financing Companies Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XXXX XXXX XXXXXX/XX/XXXX XXXX Personal Loan Companies Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXE Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Grant & Weber are reporting a fraudulent account that doesnt belong to me on my credit report. I didnt open this account nor did I authorize anyone to open this account using my personal information. Please note the attached FTC report and remove this account from my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify your offices that I am a victim of identity theft and fraud. Fraudulent accounts, credit cards, and debts have been opened or incurred in my name without my knowledge or consent. These actions were not taken by me and were entirely against my will. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Credit Repair Organizations Act, I demand that all fraudulent accounts, negative items, and associated debts be removed from my credit reports immediately. I also request that any inquiries associated with these fraudulent accounts be deleted from my file. To protect my credit and prevent further misuse of my personal information, I also request that a fraud alert and/or credit freeze be placed on my file. Please update me once these safeguards have been implemented. This fraudulent activity occurred outside of my control as I was a victim of XXXX XXXX, a situation that stripped me of my ability to control or protect my financial information. I am not responsible for any of the resulting accounts or debt. I expect a written response confirming that all fraudulent accounts and entries have been permanently removed or blocked from my credit reports.
Product: Mortgage

My ex husband, XXXX XXXX XXXX and I divorced in XX/XX/XXXX. Subsequent to our formal divorce, Wells Fargo Equity allowed my ex husband to obtain a home equity loan in the amount of {$24000.00} on XX/XX/XXXX, well after our divorce. I had no knowledge of this loan being obtained and I did not give consent to having this home equity loan taken out. I spoke with Wells Fargo and they will not work with me. I happened to come across finding out about the loan when I decided to sign up for on-line banking through Wells Fargo in XX/XX/XXXX. In the intern ( XX/XX/XXXX ), Mr. XXXX XXXX had paper statements sent to his address where he resides with his current wife, XXXX XXXX, so that I would not see the loan statements. On the statement it states, that I live at XXXX XXXX XXXX, XXXX XXXX, Ma. I have never resided at that address. Also, after the loan was taken out, in XX/XX/XXXX, I legally obtained my Maiden name XXXX through the Social Security Office and the name on the statement, states XXXX XXXX. This home equity loan was taken out completely fraudulently and without my knowledge, consent or signature. As, Wells Fargo stated to me that my " signature was not required '' and the debt is " mutually yours. '' If a loan is going to be taken out, incurring mutual debt, then both signatures should be required to sign for the loan and give consent. I ask that my name be removed with Wells Fargo, removing this as my liability and that appropriate action is taken. Wells Fargo should have been responsible for questioning the address change as Mr. XXXX XXXX explained that we were divorced and changed his address on the documents. Wells Fargo needs to be held responsible and accountable for their oversight and need to diligently remove my name from any of this existing liability of the home equity loan that was granted to Mr. XXXX XXXX on XX/XX/XXXX, and my official divorce was XX/XX/XXXX. Wells Fargo has dismissed my numerous complaints that I have filed.
Product: Checking or savings account

In XX/XX/2017 Becu called me saying there was suspicious activity on my card and needed to get into my account to look at it so they asked for my log in info, full name and debit card number and this was about a week prior to the incident. 

My grandmother sends me money on a regular basis to help me with funds since Im alone most of the time while my husband is gone all the time for work because he is XXXX. I had no idea that the funds in my account were from some other source. Iwas in shock and in tears to see my account overdrawn in the thousands and that someone logged possibly stole my information. I also saw in my account that someone logged in on XXXX XXXX and that is when i panicked and called in because I dont know anyone of that name nor would i log in to my bank on someone elses phone. The woman on the phone made me uncomfortable and made me feel as if it was all my fault. She would not provide me with details on how my account was compromised or what had happened. Ive been so scared about this situation because i have little to no money to repay at this time but i dont want my credit to be horribly affected by this especially at my age. 

On XX/XX/XXXX I received a letter from BECU stating that my account has been sent to Loan Loss Recovery for collections and they will take whatever actions necessary. It also states that i will incur additional collection costs, including but not limited to, court costs and attorney fees. They also stated that they may report information to the credit bureaus. 

My grandmother will also be trying to help me on the situation and taking legal action since me and my husband are stationed 3,000 miles away but i was told to report this to Consumer Financial Protection Beauru first.
Product: Debt collection

On Monday, XX/XX/2023 a payment of {$1000.00} was made to begin an agreement to dismiss a case in XXXX XXXX and unfreeze my bank account. The money was immediately withdrawn from my father XXXX XXXX 's account and I was told the case would be dismissed. I was told it would take three business days for the payment to clear and the case to be dismissed. 

XXXXXXXX XXXX XXXXXXXX XXXX did not file a dismissal in XXXX XXXX in a timely manner as retaliation for my previous complaints with the CFPB. My bank account with XXXX XXXX remains frozen as of today on XX/XX/2023. I contacted XXXXXXXX XXXX XXXXXXXX last week on Wednesday XX/XX/2023 and was told that the dismissal had just been filed and that XXXX  XXXX had been sent a letter of dismissal on Tuesday, XX/XX/2023 via US mail. I received this update after I called three times to try to reach someone at XXXXXXXX XXXX XXXXXXXX and received voicemail prompts. They made it difficult to even receive an update on anything. I was told that I could call back with a fax number for XXXX XXXX where they would send a fax to notify XXXX XXXX of the dismissal. 

I provided a fax number for the XXXX XXXX XXXX department and was told by XXXXXXXX XXXX  XXXX on a recorded phone call on Wednesday, XX/XX/2023 that they would send a fax to XXXX  XXXX to have my bank account unfrozen. As of XX/XX/2023 this has not occurred. XXXX XXXX  XXXX has retaliated against me with actions to not allow me access to my bank account with XXXX XXXX more than a week after a case dismissal in the city of XXXX. This is the second case dismissal for this action. Once in XXXX XXXX and once in the city of XXXX. 

There should be fines and legal action brought against XXXX XXXX  XXXX for this retaliation. This is illegal conduct and they do not have the legal right to operate in this manner.