23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Continued Inaccuracies in Credit Reporting - Request for Immediate Removal of Inaccurate Account To Whom It May Concern, I am writing to formally file a complaint against the credit bureaus for their continued failure to correct and remove inaccurate information regarding the following account on my credit report : Account Name : XXXX Despite multiple disputes filed under the Fair Credit Reporting Act ( FCRA ), the credit bureaus persist in reporting inaccuracies related to this account. Specifically, the following inaccuracies remain : Incorrect status Incorrect reporting Incorrect balance This situation violates several provisions of the FCRA. I request the credit bureaus to permanently remove this account from my credit report due to the failure to validate the charges properly during their investigation. 

Violations and Relevant Laws 15 U.S. Code 1681e ( b ) : Accuracy of Report Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Despite my dispute, the credit bureaus continue to report inaccuracies, which is grounds for deletion.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. 
15 U.S. Code 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected by the credit reporting agency. In this case, I request deletion of the account.

15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers Furnishers must conduct an investigation when they receive a notice of dispute from a credit reporting agency. If the information is found to be inaccurate, they must notify all credit reporting agencies to which they provided the information. 
Additionally, if XXXX has reported a balance for a debt that was charged off and potentially canceled ( as evidenced by a Form 1099-C ), this constitutes inaccurate reporting. 

Request for Permanent Removal Due to the multiple violations and the significant harm these inaccuracies have caused to my creditworthiness, I request the following resolutions : Immediate and permanent removal of the inaccurate account from my credit report.

Notification once the inaccurate account is removed.

Rectification of any negative impact on my credit score and restoration to reflect my true creditworthiness. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 
1. XXXX XXXX Credit Card 2. XXXX XXXX Auto Loan 3. XXXX XXXX XXXX  XXXX Credit Card 4 . XXXX XXXX XXXX XXXX  Auto Loan INQUIRIES : XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ), I request that all the information listed on my credit report be blocked from my consumer credit file with your company pending your full investigation.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete these fraudulent items in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Money transfer, virtual currency, or money service

I am aware of the 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat XXXX to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

XXXX Bank XXXX Unverified Account XXXX XXXX Unverified Account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Product: Credit card or prepaid card

On XX/XX/2022 Chime bank which held my money in a account that was designated as a Credit Builder Account closed the account because they falsely stated that I was using the account illegally. This was not the case, the account was closed with more than {$900.00} in the account. I have been going back and forth with Chime and XXXX  XXXX  for over seven months now and I am just gettin ran in circles. I am trying to get my closure check and a deposit that was made by my insurance company. Chime and XXXX  have reqeusted that I give them an updated address which I have and I have provided the requested documentation. I see on the news they are doing this to many people. 
I filed a compliant back in XXXX and on XX/XX/XXXX Chime said they would return my money and I still have not gotten it. THey lied to me and to the CFPB.
Product: Credit card or prepaid card

My USDirectExpress account has been hijacked, over {$60000.00} has been withdrawn without permission, my Social security XXXX account payments have been changed to a bank that I do not have access to, and I can not withdraw money from my account.
Product: Mortgage

Bank of America ( BofA ) is in conspiracy with XXXX XXXX  located in XXXX XXXX CA and XXXX XXXX XXXX ( XXXX ) located in XXXX, CA. The XXXX extortionists companies filed Notice of Default ( NOD ) without notifying my family last year XX/XX/XXXX, our home is in foreclosure and they set an auction date on XX/XX/XXXX, so they are involved in predatory lending/debt collection. Our home loan was modified in XX/XX/XXXX and our mortgage payments are current with XXXX, which is BofA 's financial partner, so we are not aware of this 2nd loan from BofA,  XXXX XXXX XXXX. They are harassing my family to take our home by foreclosure and high pressuring us to make $ XXXX down payment on XX/XX/XXXX and starting XX/XX/XXXX $ XXXX monthly payments for 6 years and repay $ XXXX in lumpsum payment after 6 yrs of repaying their collection billing/repayment plan. Our family is suffering from severe financial hardship because we are a one-paycheck household, my husband, who is the primary borrower, is unemployed. We have XXXX school age children and I have very expensive healthcare expenses because I have XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX Transunion has not done a proper investigation according to the standards of the FCRA . I have been disputing this account and Transunion keeps saying they updated the information but the account still remains inaccurate and incomplete. In accordance with the Fair Credit Reporting Act Everything has to be 100 % Accurate on my consumer report. Transunion says they have updated the account however there are still inaccurate information reporting. However, XXXX and XXXX already removed this account from my consumer profile due to inaccuracy reporting. How is it possible the account is accurate and there was a proper investigation if the reported information does not meet Metro 2 Compliance standards. Transunion is in violation of USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Transunion is in violation of USC 1681 s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. USPS Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX This is ground for removal from my consumer report. This account needs to be removed from Transunion consumer report due to inaccuracy and incomplete information. XXXX account has already been removed from XXXX and XXXX. This account does not comply with Metro 2 compliance and legally can not be reported.
Product: Credit card or prepaid card

I opened a BP card and had trouble making payments by U.S. Mail. I sent them on time, but for some reason the company had problems processing them, and I had to call just to get the fee waived. I had to make payments through their website from then on. Then, I found out I did bounce a check to them. For this I am responsible, but I wanted them to just close the account first. I would have paid whatever it was. A guy I spoke to named XXXX refused, and needed far too much information to verify me. I was calling from the phone number on the account, I gave all the information, the same on the statement, including the account number, I don't know what their problem is. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, I received documents from PNC Bank in Pennsylvania with a debit card and account information about an account I did not authorize or request. On XX/XX/2020, I called PNC and spoke with a customer service representative who closed the account, at my request, and indicated that PNCs fraud department would be calling me, which they never did. I then proceeded to lock my credit with all three credit bureaus. 

This evening, XX/XX/2020, I received more documentation from PNC indicating that I have been overdrawn since XX/XX/2020. The amount of the withdrawal was {$50.00} and the overdraft fee is {$36.00}. 

I never authorized this account to be opened ; therefore, I never funded this account. I do not believe PNC did their due diligence in ascertaining there was no fraud being perpetrated at the time this account was fraudulently open, and I would appreciate your help in reversing these charges and any information to ensure my information is not fraudulently used again. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX - Incorrect Employers XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect XXXX XXXX, XXXX, XXXX - Incorrect Name XXXX XXXX XXXX - Incorrect Name
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. no notice was ever given which is also a violation and am requesting that ALL inquiries below be REMOVED. 
XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016
Product: Checking or savings account

Deposited title company check from real estate sale on XX/XX/21. Hold was placed on funds availability until XX/XX/21. Unreasonably long delay when funds settle in 3 days.
Product: Mortgage

Specialized Loan Servicing accepts my electronic payment every month with the additional funds I send to be applied to princ. and they continue to instead take the extra funds and advance my next due payment date. This is in direct violation of the loan note, which says that payments will be applied in the following way : first interest due, then any fees/late payments due, then the balance to principal. Since XXXX of 2019, I have had to call every month to have them go in and reverse the " extra payment that advanced my next due date '' and appropriately put the extra funds to principal. Each month the associate that answers tells me there is no supervisor on staff to help me and she can only forward my name to a supervisor and I'll get a call back. I have not had a single call back from a supervisor to discuss this problem. That's five calls, five requests over five months, and not one return call from anyone. I went on line in XXXX and asked for a call via the on line chat and got nothing.
Product: Credit card or prepaid card

Attached is a credit denial notice from the business claiming denial of credit with merchant XXXX. The credit score of XXXX was pulled from XXXX and the business falsely claims that " unsatisfactory credit experience with other creditors ''. Obviously, this is a system glitch with the business! As all of the major credit reporting repositories do NOT SHOW any collection accounts, no late payments, no bankruptcies! I am willing for the CFPB to EXAMINE all of my credit reports to prove my above statement.
Product: Checking or savings account

Im missing a direct deposit of over {$3500.00} in my account. I always receive my deposit on Wednesday every other week. Its now Friday and it still hasnt arrived. 

My employer verified theyve sent the funds as usual. Ive received dozens of direct deposits from the same company over the past 2 years. This is the first time Ive had a problem. 

Their customer support has no record of my deposit which my employer confirmed was sent. 

Social media users on XXXX, XXXX, and XXXX are posting complaints about the same issue. 

This is causing undue stress and financial trouble for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I have this complaint against Select Portfolio Servicing- hereafter referred to as SPS- is because, they made my loan in forbearance without me asking. This has put me in a legal bind. Though I have made all my payments as agreed I am now not able to refinance my home due to the Forbearance that I did not ask for. I need to refinance my house due to a commitment in divorce agreement. During the divorce proceedings the judge told us that if I wanted to keep my house, I needed to refinance and pay my ex-husband the amount of {$50000.00} from the proceeds. 
Last XXXX I received a letter from SPS advising me that I could do a program that was approved by the Government where there was no need for me to make mortgage payments on my mortgage. 
Curious about the letter I inquired to what this program was all about I called, but I never got more paperwork explaining the way this program was going to work for me and my balance, so I continued making my regular payments on my mortgage as agreed. 
Sincerely yours, XXXX XXXX XXXX XXXX SPS Loan # XXXX SPS ( XXXX XXXX XXXX
Product: Mortgage

East West Bank Branch in XXXX XXXX tricked me to do line of credit morgage instead of traditional morgage. 

5 years ago, I was switching from another bank to East West Bank for refinancing the home morgage. I explained my intention to the loan officer XXXX XXXX XXXX, who he is no longer with East West Bank, at that time. He told me that this is amount of money every month you need to pay for the following years within your morgage term. The interest rate would be adjusted accordingly based on the market. He also told me you have a credit of {$50000.00} to cash out within 5 years. After 5 years, you need to pay more if you use some of the money. I said to him that I would never be using that money within 5 years. 

I did not know why he recommend me to do that. He never mentioned anything about that within 5 years, you only pay interest. After 5 years, you will be starting to pay interest with principle. 

I have already told him that I would never use the credit he provided within 5 years. 
I did not anything about load. I thought to myself that this is just another morgage that I had with another bank. Simplying pay and make the principle less as each year goes by. 

Today, I have received a letter from East West Bank that says I have to pay double of amount of what I currently pay monthly starts on XX/XX/XXXX. I was confused I have paid my monthly morgage in the past 5 years. Why am I paying more in the following years? 

I started to call the load department on XX/XX/XXXX. They told me that I have been paying interest only in the past 5 years. I said to them, I am so confused. I have been paying my morgage in the past years. Now they said that I have been paying more than {$80000.00} for the interest only in the past 5 years. I have to starting paying principle with interest for next 15 years? They told me because I have an line of credit morgage. I said to them that the load officer never told me that I will be paying interest in the first 5 years. Also, I have never use line of credit in the past 5 years. Not a single cash out from the account. Why would I go with line of credit? 

Apparently, the loan officer mis-guided me, and took advantage of me. 
East West Bank load department told me that you should have known because you signed the contract. I said that I did not understand English. Besides, the contract like more than 10 pages long who would thoroughly reviewed each line. 

I had no idea what was going on back then. The loan officer tricked me to pay such large amount of money to bank only for interest. This is making no sense. I HAVE NOT EVEN TOUCHED LINE OF CREDIT. WHY WOULD I WANT TO GO TO THIS TYPE OF MORGAGE? 

He was not explaining these details to me at that time. East West Bank is really cheating on me, and possibly other consumers. I need justice. I tried to negotiate with them. They did not bother to listen to me. 

PLEASE HELP ME TO RESOLVE THIS ISSUES. I AM LOSING MORE THAN {$80000.00} IN THE PAST 5 YEARS FOR NOTHING.
Product: Debt collection

I just filed a complaint with advance financial they sold this account to XXXX XXXX XXXX, Waiting for response from XXXX XXXX XXXX, couldnt reply to the company because they were not in the system for complaints, how are they capable of replying and I just got some mail from them today thats clearly stated this is an XXXX XXXX XXXX with a drivers license, 1 check stub, that can easily be done, 2 separate sheets, 1 bank that shows deposit and credits and another bank that shows absolutely nothing. This does not show anything that proves this is mines, this is a reason why I posted documents and why I had to contact XXXX, because I couldnt open up me an account this year XXXX. I will post all these documents and they didnt respond to COMPLAINT ID XXXX Is because they were gathering all this mess to try and prove this is mines, when you submit disputes to the credit bureaus you submit all documents including DL and they submit documents to them, first thing first you continue to report a C/O account monthly and its closed, It was sold to your company from advance financial and from XX/XX/XXXX it shows XXXXXXXX XXXX XXXX, no in person conversation to XX/XX/XXXX, if this is a cash advance where did you get all of these different transactions when you dont show the deposits. WHO account are you looking, you sent me 2 different banks
Product: Checking or savings account

Bank of America charged me {$35.00} for overdraft fees on XX/XX/XXXX even though my overdraft protection is XXXX and I never authorized them to pay a charge if I don't have enough balance in my account. I called them on XX/XX/XXXX and they basically said they can not help me. I believe these {$35.00} overdraft fees should be illegal. 

I want Bank of America to give my {$35.00} back. 

Thank you.
Product: Credit reporting or other personal consumer reports

I didnt authorize any or these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Finance/Personal ( XXXX ) XXXX ONEMAIN FINANCIAL Inquiry : XXXX XXXX, XXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX +