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

I am seeking legal action for dodging my financial hardship at all costs, And also on top of that report inaccurate information, to hurt my score on purpose, when i was looking into consolidation loans. 

XXXX XXXX is Telling me my Trans-union Credit report says Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX XXXX student loan account balance increased by {$800.00} from {$1700.00} to XXXX My score dropped 70 points! This is inaacurate. My student loans are all current and no missed payment. When i was struggling making payments, Navient didnt lower my payment but gave me 3 months off paying.
Product: Money transfer, virtual currency, or money service

I have had a XXXX  account since XX/XX/2019. I don't use the account much. I have had my purse and phone w I'd and cards stolen 2 times this year I have not had but a small amount of $ deposited into this account I finally was able to download some of the statements. They do not coincide w my memories and records.i also have a PayPal account that I haven't used in ove s year they are holding my $ for 180 then said they would email me with instructions on how to get it back. I haven't recieved any unemployment stimulus or aid. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance the fair credit reporting act LVNV funding account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 instruction.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my complaints adequately. They informed me that recovering lost funds were impossible and tracking these transactions were unfeasible. The CFPBs findings not only indicate that Zelle neglected me, but were unable to stop scam and protect me, the consumer.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Product: Checking or savings account

On or about XX/XX/year>, approximately XXXX XXXX, I received an email from Ally Bank stating " We declined your transaction, '' an XXXX XXXX payment for {$1000.00}. Ally Bank did not charge an overdraft fee for declining the transaction. 

At the time it was declined, the Interest Checking " Spending '' account had insufficient funds to cover the transaction, but had Overdraft Protection linked to an " Online Savings '' high-yield savings account that nearly had enough. At the time it was declined, the Interest Checking " Spending '' account also had " XXXX '' protection for {$100.00} enabled. The combined total amount of the Interest Checking, Online Savings, and CoverDraft protection was more than enough to cover the XXXX XXXX payment, not to mention the investment accounts I have there which also had enough to cover the CoverDraft. 

Ally Bank should have covered the transaction rather than returning it. According to Ally Bank, " If you have an Ally Bank Spending Account, youre enrolled automatically into CoverDraft. That means if you accidentally spend more than you have in your spending account, youre protected up to a certain amount. '' The XXXX XXXX ( ACH/EFT ) payment did not exceed any understood ACH/EFT limits, would not have overdraft the account by more than {$100.00} ( within the CoverDraft limit ), was not categorically excluded from CoverDraft coverage ( certain transactions are excluded, but scheduled, regular, automatic ACH transactions are coverable ). My assertion is that the bank should have automatically engaged both of my protections in order to cover this transaction but it instead made an instantaneous arbitrary and capricious decision not to, and then stands by it's so-called " discretion '' not to. 

Ally Bank, through it's willful and material negligence, will cause me to owe XXXX XXXX {$25.00} for a return ACH fee ( bounce ) as permitted by the Electronic Funds Transfer ( EFT ) Act. I now am having second thoughts about banking with Ally Bank, whose overdraft protection privileges amount to little more than a lottery or roulette, depending upon how they, alone, decide to deploy the coverages they advertise.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records.

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

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

XXXX XXXX XXXX incorrectly reported a late payment on my credit report for the month of XX/XX/year> when in fact they took out an extra payment from my account without my permission in XX/XX/year>. My account was not in fact late, I've tried contacting them several times to address the issue and did not receive a response.
Product: Debt collection

I have received what I believe is a fraud - phishing letter in the US Mail, impersonating XXXX XXXX XXXX XXXX. 

The letter states that I owe PayPal {$8.00} and that they are a collection agency that I now ow {$45.00}. 

I do have a PayPal account, but I do not owe any money and my account is in good standing. 

XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of XXXX XXXX coerced into being a co-signer on a vehicle that an individual did not pay on or settle. Im a victim and shouldnt go through this. I will get a lawyer if I have to. This has been going on too long and none of the credit bureaus seem to care. I need this fixed immediately it was done to hurt my finances. Ive disputed it countless times and havent received a positive result.
Product: Credit card or prepaid card

I refinanced my home and was issued checks for my credit cards. Barclay was issued XXXX checks ( XXXX for my account & XXXX for my husband ). These checks were mailed out on XX/XX/XXXX. My husbands account was credited for his check on XX/XX/XXXX. I contacted the creditor on XX/XX/XXXX who informed me that they never received the check for my account but the mortgager provided me with a voided check that they have not only received the check but cashed it. They told me to fax in proof but I tried XXXX  times on XX/XX/XXXX to do so for the fax machine to read that the receiving fax machine is offline. I contacted the creditor again by phone, & provided all the details for the check again to be told that it will take 1 to 2 billing cycles to correct & that I still need to send them a copy of the voided check for them to begin investigating even after I told them their fax line is offline. I reached out via XXXX & submitted the documentation for them to tell me they notated the account but I still need to send in the documentation. So basically, theyre allowing themselves enough time to reflect poorly on my credit report before they fix the error & not providing me with an adequate way to get the documentation to them!
Product: Credit reporting or other personal consumer reports

I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX is not my address. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is not my address. 

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

I have contacted Huntington Bank on several occasions for purposes of an Arbitration I have started against them. XXXX  REF : XXXX XXXX VS HUNTINGTON NATIONAL BANK. I will not include the complaint for it has been sent several times as has XXXX been trying to contact Huntington with no response. Second notice from XXXX   attached. If there was some error me calling legal 's number at XXXX and leaving no less than 4 or more voice messages all unanswered or returned - stating this is the legal dept on the greeting. 

I am tired of no response for near two months. I went so far as two approx. two weeks ago go into a branch and have my notice of  arbitration emailed to legal by a XXXX XXXX XXXX. Card attached. 

I want to make it clear you are in violation of your arbitration agreement on deposits accounts not taking the arbitration and responding as a respondent. I feel this should be a strike against the bank for future arbitration 's with XXXX.
Product: Credit reporting or other personal consumer reports

I tried to apply for a new credit card and received a message that Experian has frozen my credit. I went to Experian to unfreeze it, but am unable to log in, because they have the wrong phone number in their records for me. The log in process requires that they text a security code to you. The phone number they have is an old land line that no longer exists. They keep " texting '' the code to that number. I have no way of receiving the code. I am unable to talk to anyone to update my phone number in their records. I can not use my XXXX account to log in because it isn't the same email that I used to create the Experian account. 

I tried calling Experian, gave them my social security number and requested to unfreeze my credit. Their automated system says my credit is already unfrozen and then it hangs up on me. However, my credit IS STILL FROZEN. I can not apply for credit. 

I will never be able to get a credit card or loan again, because there is no way for me to unfreeze my credit or log into my account. Experian 's automated voice system is inaccurate! There is NO WAY to speak to a human being, so I have NO RECOURSE. Experian has destroyed my entire financial life. I thought I was protecting my credit by freezing it. 

DO NOT EVER FREEZE YOUR CREDIT with Experian. You may never be able to unfreeze it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

I opened a line of credit with Brand source in XXXX of XXXX. On XX/XX/XXXX I made my last payment to close out my statement balance of {$170.00} All my bills are set on auto pay through my bank. I had never been late on my payments. Brandsource claimed they received my last payment a day late. I had never received a phone call from them and until I came across an email in late XXXX stating I had a past due balance of {$100.00} which I paid immediately and asked them to please remove the late payment they reported to the credit bureau as it was an error. I even offered to share my bank statement that shows the date I paid them. They refused to help me.
Product: Student loan

XX/XX/XXXX I was served a summons for Proposed Order for Revival of Judgment that happened XXXX of XXXX. I contacted the law firm XXXX XXXX XXXX XXXX and spoke with a representative and was told that they were representing a private student loan company named, XXXX XXXX XXXX XXXX, and that I pulled out a loan and never paid it back and was served in XXXX of XXXX at a previous address I used to lived at, in which I never was served or received an summons for, but since I didnt show up the total amount owed including interest and court fee was {$13000.00}, I then requested verification and it took the law firm 2 months to send me in which the verification was ineligible so I again contacted the law firm and spoke to a representative which told me I needed to provide proof I didnt pull the loan out and I stated I cant even read the so called proof to even file either a police report and/or an Identity Theft report because I cant read anything, and their response that they sent the proof and its my turn to prove it wasnt me who pulled out the loan. Now I received a letter stating the judgment was ruled in their favor and I need to contact them to discuss payment options. Until XXXX of XXXX I never heard of the loan company named XXXX XXXX XXXX XXXX and I never pulled out private student loans, also not to mention I never attended college in XXXX, i attended college from XX/XX/XXXX to XXXX of XXXX
Product: Student loan

I submitted my application to the SAVE program through Nelnet in the beginning of XX/XX/2023. I then heard nothing. 
On XX/XX/2023 I received an email request requesting more financial records in order to approve my request, I responded by email on XX/XX/2023 with all the requested documentation. 
Since then my application has still been processing and my student loans are accruing interest. 
I have requested updates on my SAVE application several times the only update I get is that my application is still processing. 
It has been 4 months. When I have tried to call the wait is so long I can not get through to anyone.
Product: Mortgage

Hello, I submitted a complaint # XXXX and the company has closed it. The company ( Roundpoint Mortgage ) responded within 2 days of my complaint. They have confirmed via email and phone ( XXXX XXXX ) that the forceplaced insurance amount they stated of {$2500.00} will be refunded and effective XX/XX/XXXX, it will no longer be applied. Two issues remain outstanding. I have followed up with XXXX XXXX  ( my assigned contact ) twice, in the last 10 days and have not received a response. ISSUE 1 : Roundpoint states that the forceplaced insurance amount to be refunded is {$2500.00}, however I was actually charged an extra $ XXXX/month for the forceplaced insurance since XX/XX/XXXX. 9 months x {$580.00} = {$5200.00}. I expect to be refunded this amount and Roundpoint has not yet responded to this discrepancy. They continue to neglect my inquiries regarding the discrepancy and only respond to address the {$2500.00} amount. I expect to be refunded for the erroneous amount I was actually debited, not what they state to be the amount. Issue 2 : I have not received a response on the timing of the refund.
Product: Debt collection

My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX ny my complaint is that receivables con collection agency unlawfully a collection account on mycredit report with XXXX  I wrote to the company telling them that the debt is not mine andits account from XXXX XXXX balance XXXX dollars I didadisput with XXXX  to get it removed off my report and the collection agency unlawfully didn't respond to my letter that I was disputing this account as fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Background : On XX/XX/XXXX, I placed a credit freeze with all Credit Bureaus due to identity theft. 

Current Issue : Experian provided my credit report to XXXX Bank despite freeze being in place. 

History : On XX/XX/XXXX XXXXXXXX XXXX, I received an email from XXXX XXXX XXXX XXXX XXXX XXXX an application was pending under my name and information. 

I called the XXXXXXXX XXXX XXXX contact number at XXXX XXXX the same day, only one that was listed in their mobile app - XXXX, and they initially said they didnt see any applications under my name. They asked me to call their fraud department instead and provided me with their number. 

At XXXX XXXX same day, I called the fraud department number which was XXXX. The representative said they didn't see anything under my social security number and insisted that there were no other accounts. I provided her with the ApplicaitonID which was listed in the email, and she went back to look into it. Eventually, she said that this might be under applications department, not fraud department, and asked me to call them instead and provided me with their number. 

At XXXX XXXX the same day, I called the applications department. They asked if this was an authorized application and I told them it was not. She said she was sorry to hear and provided information that Experian had provided the credit report. 

I double checked on Experian Website to verify that I still had my credit freeze in place.
Product: Credit reporting

I have the victim of identity theft which I discovered when my tax filing was rejected. 
This prompted an investigation into credit report and I started getting collection notices for credit card accounts that I could not verify. I send a series of letters to credit bureaus requested copies of the original signature documents showing the account was actually verified as mine but they simple responded that accounts had been verified as mine but never responded to my request for copies of the actual document that showed my signature verifying the account or even the name of the person who verified the information. I recently sold my house and now an unable to buy a new home because of the invalid account that still shows in dispute on the credit bureau.
Product: Checking or savings account

Hello my name is XXXX XXXX I am very disappointed and frustrated with the service of the ally bank customer service. I opened a new money market account with XXXX check deposit that I received from my grandmother and opened a checking account as well so I can use that as a everyday operations account but when I called to get my XXXX account unrestricted my account was locked and under investigation. I wanted to transfer funds in order to order a new debit card for my accounts. I spoke to a fraud detection specialist about taking the restriction off my XXXX account so I could fund my checking account from an external bank account in order to get a debit card mailed to me at which point the specialist asked me numerous questions regarding my check deposit that has already been verified from the sending bank and deposited into my account. This check is legitimate and has already cleared from my grandmothers account and into my account. Please I need access to these funds as I am unemployed at the moment and this was emergency funds.
Product: Credit reporting or other personal consumer reports

XXXX Account # : XXXX XX/XX/XXXX XXXX XXXX  Account # : XXXX XX/XX/XXXX {$670.00} I recently found unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me.