23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I closed my account due to overdrafts and them paying auto drafts that had been canceled by myself. They were paying XXXX even tho they had been canceled because I had moved out of state. Charges of approx XXXX a month plus overdrafts of XXXX per week. I'm on SSI and get paid once a month. This was in XXXX XXXX. I moved from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I didn't give authorization for this inquiry on my account. Bank CBNA ON MY CREDIT REPORT Dated XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Mortgage

Had a mortgage with UMM ( United Wholesale Mortgage ). 
This loan was paid in fill on XX/XX/XXXX I was due for an Escrow refund of {$3700.00} that I have not received. This is beyond legal time allowed for refund. I have called several times to find out where my refund is. I was told the check was cut XX/XX/XXXX and mailed XX/XX/XXXX. 
I called again about a week or so ago and said they should stop payment and reissue a check. I called again today XXXX XX/XX/XXXX XXXX and no check has been reissued as of today. 
I asked to speak to a manager and supervisor and both times I was told that I would receive a call back. I have not received any callback.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect addresses reported on my credit report, that have accounts attached to them that are not mine. 

The following addresses on my credit report, I have NOT lived at : 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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Experian 's response ( dated XX/XX/XXXX ) to my complaint through this portal ( dated XX/XX/XXXX ), Experian stated the following : Based on our reinvestigation ten of the disputed accounts mentioned in your previous correspondence, received XX/XX/XXXX, are in the process of being removed from your credit report. One of the disputed accounts is not currently showing on your Experian credit report. The disputed inquiries are not currently showing on your credit report with Experian. Once the update is complete a copy of your credit report will be forwarded to you for review. 

I have yet to receive said report reflecting the deletions mentioned above. Please mail the report to me immediately ...
Product: Checking or savings account

I received several emails from Chime about a new checking account opened in my name, including an alert that a debit card was to be mailed to my home. The account was opened with my maiden name and the address used was an old address. I did not open a Chime account, I didnt even know what Chime was at the time. The first email from Chime was received on XX/XX/22. When I saw the email on XX/XX/22, there were four emails total from Chime at that point. A disclaimer at the end of the emails provided instructions to report if an account was open without authorization, and the instructions included to email Chime with the subject line a chime account was created without my authorization. I did that and sent it on XX/XX/22. I never received a reply. On XX/XX/22, 10 days later, I received a debit card in the mail. I called Chime XX/XX/22 to report fraud and they closed the account. The woman on the phone asked for my SSN which I did not provide.
Product: Bank account or service

I am a USAA member. In 2014 after a divorce and layoff I ended up filing a Chapter XXXX bankruptcy.. I reaffirmed on my auto loan through USAA and never missed or was late on a payment. USAA failed to file the correct paperwork with the court which almost a year after my discharge date allowed the trustee to void their lien on my car and take my car. USAA then reported my account as a chargeoff and repossession, and locked me out of my accounts. 
It took me several weeks of phone calls and hours of hold time to finally get partial access restored. However, I still have no access to my Insurance or my retirement accounts. USAA said that this is because I filed bankruptcy, and there was a large sum of money they could not collect. The Bankruptcy is true, however, any lose USAA suffered is due to there failure file reaffirmation paperwork. I was paying the loan on time which my credit record will show, and would have paid the auto loan of as agreed. Furthermore, the restricted access and inability to access my accounts has cost me thousands of dollars in investments.
Product: Vehicle loan or lease

The batter of my XXXX XXXX broke down, I called XXXX about this issue and they told me I can either go to a authorized XXXX dealer to replace it or go to any mechanic and I can file a claim to get a refund, it has been more then 2 weeks since I submitted the claim and theyre just ignoring me
Product: Credit reporting or other personal consumer reports

After viewing my Consumer Reports, I've noticed some inconsistencies. Consumer Reporting Agencies play a crucial role in accuracy reporting consumer information. According to 15 US Code 1681e, it is imperative that the information being reported is of the utmost accuracy. XXXX XXXX shows a loan start date of XX/XX/year>. However, I have NOT applied or signed loan documents directly with this company. They are also showing inconsistent last payment time periods across the 3 credit bureaus which is inaccurate. Experian shows 60 days late. I have a loan with XXXX XXXX that started on XX/XX/year>. However, the amounts owed are different from XXXX XXXX on all 3 bureaus, which is another inaccuracy. I have Exceptional payment history, and these inconsistencies were made without my knowledge and consent, and I request that the account and late payments be removed immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issue 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 loss funds was impossible, and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zell was not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety.
Product: Credit reporting or other personal consumer reports

I contact PenFed FCU XX/XX/2023 after getting alert of hard inquiries i didnt authorized or consent to the rep explained that a letter is being sent to credit bureau to remove the inquiries but the credit bureau have to do it. I was told a confirmation email has been sent to me with confirmation to remove inquiries it still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a account from XX/XX/XXXX! I disputed it and finally the credit bureau removed it! Now they putting it as a new account opened XX/XX/XXXX this is double jeapordy and illegal!
Product: Credit card or prepaid card

I sent a payment through from my bank. When I sent this payment, my bank showed me the date it would be received, and it was on the due date. My bank shows the payment being sent on that day. Amex is showing the payment received the following day and has charged me a late fee. After calling to dispute this charge and having a hostile agent tell me it wasn't getting removed, I am filing a complaint here.
Product: Credit card or prepaid card

Someone opened up an American Express credit card. XXXX were 2023 and it was closed XX/XX/2023. This is not me.
Product: Credit reporting or other personal consumer reports

The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax
Product: Credit card or prepaid card

Have been trying to resolve this issue with Comenity Bank since XX/XX/XXXX. Information they are reporting to the credit bureaus are incorrect. Have submitted disputes through the credit bureaus but have not received any responses. I have sent certified letters to Comenity, with no response. Comenity has however called every member of my extended family ( no clue how they have their # ) and left threatening voicemails. 
The following info is incorrect : Opening date of account Credit Iimit Balance- is one is a whole other issue. I received items that I did not order, but was charged for. I have emails dating back to XX/XX/XXXX where I had email conversations with an employee named XXXX, who was to remove these charges but did not. 
I can share these emails as well as credit report summaries from XXXX & XXXX showing the above info I have stated is true.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Late Payments Request for Proof or Deletion Due to Human Tracking and Debt Bondage Section 605C ( 115 U.S.C Section 1681c-2 ) Urgent Request for Resolution Dear XXXX Representative XXXX I am XXXX XXXX writing to formally dispute inaccurate information on my credit report concerning alleged late payments reported on my account. Please note that I have never been late on this account. I request that XXXX, as a credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. If you are unable to provide proof of the validity of these claims, I am requesting that you immediately delete these alleged late payments from my credit report. 
The following accounts contain erroneous late payment information reported by XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX. Rent Reporters Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX I have included a copy of my XXXX XXXX XXXX XXXX XXXX payment transaction history as evidence that I have consistently made timely payments. 
Under 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card as an open-ended consumer credit account unless they can prove the validity of the debt. Failure to provide such proof indicates that this information is inaccurate and must be removed from my report to comply with federal consumer protection laws. 
Please be advised that if these inaccurate late payments are not removed from my credit report, I will file formal complaints with both the Better Business Bureau ( BBB ) and the Consumer Financial Protection Bureau ( CFPB ) regarding your agencys failure to follow proper dispute procedures. 
I request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that XXXX block all negative accounts identified. I expect a resolution to this matter promptly as required by the Fair Credit Reporting Act ( FCRA ). Please confirm the results of your investigation in writing once it is completed. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX Email Address : XXXX XXXX
Product: Vehicle loan or lease

Please NEVER use this company to finance anything because they are fraudulent in their servicing and not transparent with their processes. Just to provide context, I will share OUR personal story. 
My husband and I fulfilled the PAYOFF on XX/XX/18 in the amount of {$1200.00} over the phone with their customer service agent. We allowed the time they stated it may take for the title to arrive. 
My husband and I on XX/XX/18 began to question the whereabouts of the title. We called again on XX/XX/18. The agent told me that the title would be expedited and should arrive in 10 business days. She stated we had a balance of nearly {$4.00}, which is impossible if you satisfy a PAYOFF AMOUNT.

After waiting for nearly 20 business days we called again on XX/XX/18. They again stated we had a balance of the same approximate {$4.00}, but also saw that the PAYOFF was satisfied. They stated that it would be 3 business days for the escalation. 
I then called today, and and an agent name XXXX ( who refused to provide her extension or a worker ID ) stated " there was not a response and that we just had to allow more time ''. 
Since I am off of work tomorrow, my 1st order of business is contacting the CFPB and the Attorney General for both South Carolina and Missouri, since it was a wire transfer. 
Do not do business with this place because they will take your money AND hold your title.
Product: Mortgage

Currently, I am seeking the return of {$8400.00} as well as any access monies that have been charged because the city of XXXX returned over {$9900.00}. Additionally i am requesting that the late fees charge for XXXX and XXXX be removed from my account. The supporting documentation, one which is an actual letter from TMS stating that there were no fees being charged and no payment due ( COVID related ) has been submitted. Additionally, the loan was entered into Forbearance in XXXX. 

I have email XXXX XXXX, who typically responds to these complaints but I am flooded with misinformation when I call this company. So much so that I have began to record my interactions with the representatives. I requested an escrow analysis and audit on the account that dates back to the periods which were supposed to be tax exempt. My biggest concern is TMSs allocation of money to their corporate account. This seems unethical and unprincipled. I would like to additional money I paid returned to me. 

I have never received a return call from 4 representatives who promised to make the necessary changes associated with the erroneous late fees, the removal of the forbearance and the return of the funds owed back to me. The city of XXXX conformed that the check was cashed by TMS. Additionally, i am owned approximately {$14000.00} in over payments. 

I will escalate this complaint to the Department of Veterans affairs, my Congressman and the Attorney General if this resolution is not accompanied by an actual audit of this account. The payments should have NEVER exceeded {$2300.00}.
Product: Credit reporting or other personal consumer reports

Notice to an agent is notice to the principal. 

I am writing in response to your letter dated XX/XX/year>, regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Your response, which included a signed agreement and a payment statement, does not fulfill my explicit request for critical information. 

On XX/XX/year>, I sent you a letter requesting specific account details, which remain unaddressed in your response. For clarity, I will reiterate my request : 1. The date of first delinquency for the account.

2. The date of the last payment made on the account.

3. The date of the charge-off.

This information is essential to validate the accuracy of the information reported on my consumer report. As you are aware, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Truth in Lending Act ( 15 U.S.C. 1601 ), and Title 18 of the United States Code, you are legally obligated to provide verifiable documentation that substantiates the accuracy of the information being furnished. Failure to provide such documentation constitutes a violation of my consumer rights.

Furthermore, your continued failure to provide the requested information may also implicate Title 18 U.S.C. 1028A, Aggravated Identity Theft, as the lack of validation for the account 's accuracy raises concerns about potential misuse of my personal information.

I reiterate that a signed agreement does not justify or validate what is being reported on my credit file. Validation requires verifiable evidence confirming the specific dates and details requested. Your response has not fulfilled this legal standard, nor does it close this matter.

If you fail to provide the requested information within 10 calendar days of your receipt of this correspondence, I will file a civil suit in good faith to seek damages for your violations of my consumer rights under the aforementioned laws. 

This is your final notice. I trust you will take the necessary steps to comply promptly.
Product: Credit reporting or other personal consumer reports

Your form did not offer the option that accurately covers my dispute. I noticed an unexpectedly charge of {$24.00} from Transunion on my general credit card. I called the number on the credit card charge. The help person seemed to know why I was calling before I could really explain the issue ( like I was the 10th person to call with the same problem ). The help person quickly canceled the identity theft policy that she said I had and was the purpose of the fee of {$24.00}. I had to ask for a refund of the fee already charged to me since it was never authorized. She gave me the refund so my problem was solved. 

BUT, it is predatory to extend my identity theft coverage by charging the fee with no notice. According to Transunion, I had this protection beginning in 2018 which was free, probably given to me from some firm whose data was exposed. Presumably, it ran out after 5 years but Transunion should never have charged me to extend the coverage without notice. Transunion should have their hand slapped severely for their action.
Product: Credit card or prepaid card

XXXX XXXX has been calling me for over 5 years regarding a debt that was offered back then to be resolved with debt consolidation. I complained about them last year and now they are calling my ex-husband to leave messages for me. My EX husband!!!!!!! 

I am beyond furious and they need to stop contacting him or anyone else in my family.
Product: Credit card or prepaid card

Multiple charges on my Citizens Bank Debit card was done today on XX/XX/19. Five charged  for {$4.00} to unknown as of right now, one charge for {$7.00} to " XXXX '', two charged of {$79.00} and {$16.00} to " XXXX XXXX '' and one final charge for {$14.00} yo " XXXX XXXX XXXX ''. One other charge for {$390.00} was declined, and was alerted to me by the bank earlier this morning. 

The card was not stolen, but these charges were still done. I alerted the bank, but a friend of mine told me to take an extra step and address this to the consumer protection bureau, as well as the police.
Product: Checking or savings account

I've had my phone stolen and XXXX worth of unauthorized transactions was done. I have a police report and have disputed with chime and XXXX XXXX this is also the 3rd dispute which chime never actually take time to investigate properly I have documentation including police report that my phone was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Ad Astra Recovery Services about an alleged debt on XX/XX/2019. I dispute this and asked for validation and verification of this alleged debt with a phone call I made to them in the second week of XXXX. They responded on XX/XX/2019 with a letter from their company on their letterhead with very minimum information. This information still lacked the proper evidence to validate this was my debt. It did not clarify this debt belonged to me, so I disputed it again with a another telephone call around the first week of XXXX along with a letter. In my letter I asked for specific items to verify that this was my debt and this company was legit and made sure they were aware of my rights in this disputing process since they still hadn't validated this debt or proved this company was in good standing to collect in my state. I waited to hear back from them within the legal amount of timeframe and still nothing. I called back again on XX/XX/XXXX to check the status and they had already put this on my credit report without legally verifying this was my debt. This company violated my rights as a consumer and broke the law. They didn't send me any documentation I requested of these accounts until after they reported to my credit file. 

Accounts were for {$190.00} & {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my accounts or else I will file the litigation to get deletions. 

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 XXXXXXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed a written claim regarding a Bank of AmericaXXXX scam that occurred on Saturday and Sunday XXXX XXXX XXXX. 
The prejudice is about 3 XXXX transfers obtained from a fraudulent website ( XXXX ) for a value of {$3000.00}, XXXX and XXXX. 
I contacted the BoA /XXXX claim center right away on XX/XX/XXXX ( that was a bank holiday ). Claim reference : XXXX XXXX. The transaction appeared as being processed by BoA was not capable to reverse it. 
This was my first use of the BoAXXXX mobile app and I was misled by the fact that this application is on the BoA mobile banking system which gave me a false sense of security. In addition the risks associated to that kind of money transfer were largely understated during the whole process. 
On the phone BoA claim center told me this transaction was not covered by Regulation E as I gave my authorization ( despite being tricked by the fraudulent website!!! ) and have not refunded any of the money lost after now more than 10 business days.