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

Good evening : My name is XXXX XXXX. On XX/XX/year>, you have to add a person to your XXXX  contacts. I was provided with the incorrect information. As the monies were being sent out. My bank ( Chase ) sent me an email canceling the transaction and the monies will remain in my account. A few minutes afterwards, Chase allowed the transaction to process with the different name listed on the account. The monies ( {$700.00} ) were supposed to go a one recipient and there was a different name on the account. I contacted Chase regarding this transaction, and they took up to 5 days to review. Chase claims department reviewed my claim and didn't allow me to provide my documentation of the transaction being denied and then later letting the transaction to process. Chase sent me a letter stating they are closing my claim without further review. I called Chase last week to have my reopen for further review along with my documentation. The rep that I spoke with was supposed to open my claim and he did not do so. I called again today, to speak to a different rep regarding the reopening of my claim. Apparently, my claim wasn't reopened. I was able to have my claim reopened with the appropriate documentation that was needed for further review. I would like for my {$700.00} to be return to me immediately. 
Best regards, XXXX XXXX
Product: Debt collection

When contacting DrivetimeXXXX  after settling account to notify them that information on the account was inaccurate and inconsistent across each credit bureau XXXX After numerous disputes of this violation to the FCRA, they continued to validate and claim to update the account however they are still reporting inconsistent and inaccurate information to each credit bureau. The credit bureaus will no longer allow me to dispute this so I have to come to the CFPB to file this complaint.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXXXXXX XXXX AND XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identified theft in XXXX, in XXXX I noticed Equifax had changed my DOB to the fraudulent one XX/XX/XXXX. Only Equifax has not corrected this after the identity theft. My DOB is correct with XXXX   and XXXX. Equifax informed me that one of my creditors is reporting my DOB wrong. I have called all of them on my report and none of them have that as my DOB. I filed a complaint with Equifax and certify mailed them my SS, birth certificate and driver license. They have still yet to correct! 
XX/XX/XXXX Received letter from Equifax that they corrected my DOB. 
Noticed in XX/XX/XXXX that Equifax had changed my DOB back to the fraudulent one. 
Filed another claim with Equifax and received confirmation again on XX/XX/XXXX that they corrected the error again, receiving Confirmation # XXXX. As of today, my DOB is still incorrect causing me unable to obtain credit due to the fact they can not verify my identity.
Product: Credit card or prepaid card

None of the issues I checked matched my issue. Two months ago I received a letter from Capital One that they were decreasing my credit limit from {$8500.00} to {$1500.00} because I wasn't using enough of my available credit to warrant such a high limit. I was using the card regularly and I had recently updated my financial status that I was employed. My credit score dropped 34 points and soon after another 6 points even though I had done nothing differently and all of my bills are paid on time. This should be illegal and they should reinstate my {$8500.00} credit limit. Another two cards I have had recently raised my limit without me even asking. That is how it is supposed to work right? 
P.S. Consumer Advocate XXXX XXXX suggested I reach out to you and is aware that Capital One is doing this to their customers.
Product: Credit reporting or other personal consumer reports

I requested inaccuracies regarding my name, address and employer be verified and corrected with proof of verification and correction. 
I disputed multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified the following errors : Incorrect Name on Report : [ XXXX XXXX, XXXX XXXX XXXX, these should be removed Correct Name : [ XXXX XXXX ] Incorrect Address on Report : [ All Addresses Listed besides correct address below should be removed from my credit report ] Correct Address : [ XXXX XXXX XXXX XXXX XXXX, IN XXXX ] Incorrect Employment Information on Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these should be removed Correct Employment Information : [ XXXX XXXX XXXXXXXX ] Incorrect Phone Numbers : REMOVE ALL PHONE NUMBERS FROM MY CREDIT REPORT They replied saying the above inaccuracies were completed and removed but they are not, they are still on my reports. 

These inaccuracies may be causing significant harm to my creditworthiness and financial standing, and I request your immediate attention to rectify these issues. 
Enclosed with this letter, please find copies of documents supporting the correct information, such as my driver 's license, utility bills, and employment verification documents. 
I request that you conduct a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ), Sections 611 and 613. The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information contained in their reports and allows consumers the right to dispute inaccuracies. 
I am also aware that, under the FCRA, you are required to complete the investigation within 15 days and provide me with a written summary of the results. I kindly ask for your cooperation in adhering to these legal obligations. 
Please remove the inaccuracies in my credit report promptly and provide written confirmation of the corrections made, including an updated credit report, as required by law. 
Thank you for your immediate attention to this matter. I appreciate your prompt resolution of these discrepancies to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute attached account reported and refused by Experian on my credit report and the account in question is : attached below : from what I stated and sent you validated docs before of identity theft and from the Data Breach : XXXX  XXXX XXXX- {$900.00} XXXX XXXX ( closed acct XX/XX/22 ), XXXX XXXXXXXX XXXX {$790.00} XXXX XXXX XXXX XXXXXXXX XXXX {$550.00} XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, also Inquiries that were not authorized by me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, i am writing about numerous frustrations with all 3 credit reporting bureaus. i had an issue with identity theft which i discovered in XX/XX/2018, so i placed security freezes or fraud alerts on my files with the bureaus. now i'm trying to remove these so that i can apply for credit again. 

none of the bureaus seem customer-oriented or helpful. i tried to email all of them, and they either don't respond, or they tell me to call the customer service number. when i finally reach a human being, in all cases, i am told i need to fax or mail them a copy of my driver 's license and a bill showing my address. but i am not confident that this will produce a timely result either. when i was dealing with the identity theft issue last year, they were equally unhelpful. in fact, i had to wait until the Economic Growth, Regulatory Relief & Consumer Protection Act went into effect in XXXX before i could get them to admit that a flurry of credit applications in a 2-month span was obviously a red flag for fraud [ in contrast to my historical behavior ], and that i don't need to dispute each item individually [ typically spending 45 minutes on hold with customer service for each one ].

it seems inappropriate to me that companies who hold such power over people have so little interest in communication or accountability, and i know i'm not the first to notice this.
Product: Vehicle loan or lease

I paid off my PNC Auto Loan Account XXXX XXXX on XX/XX/year>. On XX/XX/year> PNC shipped my title to XXXX XXXX XXXX. XXXX, Al, XXXX. I do not and have not lived at this address for XXXX XXXX. I did not request my title to be sent to this address. My home address is XXXX XXXX XXXX XXXX, XXXX XXXX, AL, XXXX. PNC sends all of my loan statements here. On my original loan documents my XXXX XXXX address was listed as my Home address and my mailing address. PNC has been mailing all information here for years. For some reason PNC sent my title to a phantom address that I did not ask for it to be sent to nor have they ever sent mail to this address on my behalf. Only my title at the end of the loan. I find this to be a severe privacy breach on behalf of the bank and security risk to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 XX/XX/XXXX
Product: Checking or savings account

Chase is now lieing to you. They been closed my account. The same day I filed my claim. And the took my only means of income my XXXX check case I'm a XXXX citizen of the United States. They closed it because I know that the bank let someone into my account my personal account to learn things about me that was later used against me to gety XXXX check taken away from me. But it did not work but they had no right to let someone in my account and find statements in my account from XXXX  months ago. And they would not let me get my money out of my account. They are lieing and changing my account If it's closed why are they going into my account and changing things. Why are they placing and taking money from my closed account and most of all why are they holding on to my money if I go any money left they are also taking you withdrawal slip and using the same slip and using on money that there taking out my account. And the XXXX XXXX that was taken from my saving account was taken out without my .Knowledge. I was never told of any finding on my account but has had money taken from it and then being hung up on when asking them about it. They are also sending me emails of a letters that they have sent to my online account. Knowing for a fact that I Can't get into it because the locked me out, They are not placing nothing but lies on my account and my money somewhere else. They are making it look like I spent money off a card that I never had. They make sure that I can't have any of my own money and there not being honest with me. I can't put it in another account and can't get any money from the closed account that's been closed since XXXX.. XXXX I haven't had any rent, personal, or spending money for over a month now. I have paid my phone, rent or storage at all. Who are these people that gets to drain us dry, comit t crime after crime and take our money and run our life and none of this is my fault. XXXX them for the proof they so call have that say I spent. They can't because they know it was them.
Product: Credit card or prepaid card

XX/XX/XXXX I applied for a Lowes Credit card at the time of applying my credit score was XXXX no lower then XXXX and Lowes approved me for a credit card in the amount of {$500.00} dollars I have since then paid my bill on time and had a balance of {$120.00} dollars. On XX/XX/XXXX I received a letter from Lowes stating they were closing my account immediately for having a low score. I called and spoke to a representative who stated yes my account was closed and I will be reported to the credit bureau immediately and did not give any further information in regards to my concern. In XX/XX/XXXX I was released from bankruptcy and my credit had no existing marks or denials, at this time I had to improve my credit score. I have two other credit cards that I have been approved for and have not experienced this concern, I feel I am a victim of discrimination! when Lowes who approved me for the credit card in XX/XX/XXXX new what my score was and approved me for credit at the time and for 3 months I was not contacted nor sent any information concerning this issue. This issue has effected my credit score including the derogatory remark that has been added to my report. I am trying to refinance and I am looking forward to buying another home since I have been in my home for over 15 years. I am a XXXX XXXX man who is being held back when I should have the opportunity to move forward seeking a quality of life towards social growth. Please help!
Product: Consumer Loan

The collectors used XXXX phone numbers. XXXX and XXXX. They call myself, my brother, wife, sister n law and mother. They left messages to have me call with a case number and threatened legal action. My sister n law answered and they said they were attorneys and gave her a case number and said I put her down as reference. When she told them to quit calling her they said they could not until the loan was paid. This is just plain harassment and a violation of my rights by telling information. The person who left a message for me said company was ATI.
Product: Mortgage

I applied to refinance my FHA loan to a conventional loan because of the cost of mortgage insurance. At first I was told by the new bank doing the refinance that they could get rid of my mortgage insurance to lower my monthly payments from XXXX  to about 1600.00. That did not work out for some reason. About a week ago I spoke to the representative of The lender broker of XXXX XXXX XXXX XXXX   and she assured me I will be able to save XXXX a nd that will increased to XXXX  because my mortgage interest will disappear. 
On Friday evening (XX/XX/XXXX), I received the final figures for closing on Wednesday XX/XX/XXXX. 
This is what I found:
1) my interest rate is gone from 4.750% to 4.875%.
2) My principal has jumped from $XXXX  to $XXXX
3) Instead of the XXXX dollars I was promised to save XXXX I will save XXXX.
When I factor in my new interest rate and the new principal I gain nothing. I am therefore not going to sign any documents to finalize the refinancing.
Product: Credit card or prepaid card

UniRush prepaid card I have been fighting over 2 weeks to have my pay check released from RushCard ( deposited XXXX/XXXX/XXXX ). The run around you get going through management is unethical behavior for any business. I sent statements with my signature as requested, I was told on many different conversations with management that my check would be released over night, and it has been two weeks and still no check!! The unethical behavior is holding a check for the return interest the company receives on the money while the customer suffers with the results of GOOD FAITH/BAD FAITH POLICIES. 


Another response I made to RUSH card a few days after the 1st statement above. 


I am aware of the deposit amount that I ca n't seem to gain access to after 2 weeks of waiting for a canceled dispute. I have been waiting for a suspension on my account to be removed. The Disputes dept. refuses to release my funds even though they have received all requested documents from my husband XXXX. I am about to lose my car because I ca n't use my account. I have been told everyday for the last 2 weeks that it will take an additional 24-48 hours before resolution. It is not fair that I have been with your company since XXXX and this is how you treat a loyal customer. I am not able to sleep which is starting to affect my ability to work or function for that matter when your sitting up all night waiting for a Tow Truck to come and take your property simply because my card company ca n't close out a case that has been ESCALATED EVERY OTHER DAY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  case # : XXXX ( deducted XXXX XXXX XXXX points ) never get adjust XXXX XXXX did removed incorrect delinquent history, but not late payment history, from my credit report. 
The late payment was a mistake and I reported it to XXXX XXXX. 

My credit score ( never NOR adjust ) after the delinquent history payment was removed. 

I disputed the late payment with the credit bureaus, but my dispute was not successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been dealing with this issue since the beginning of this year. Capital One continues to state this account is mine when in fact my social security was stolen to create this account. Ive already spoken to representatives and know it was created online. On XX/XX/XXXX I received a letter stating why they believe the account is mine. The first reason was because of the address, Ive already stated to Capital One that my mother took my social and made the account without my knowledge hence why I would be listed at the same place. They also list my phone number and thats extremely fraudulent because I told XXXX of the representatives to contact me when new information about the case arises and I specifically told her NOT to put my number on this account because its not mine. They placed my number on the file without my consent ( this can be found in many recordings stating this especially during XXXX summer ). The last bit of evidence they stated clearly shows what Ive been stating since the beginning that the account isnt mine. Capital One states that on XX/XX/XXXX I had called to get a new card. If the investigators at Capital one did what they were supposed to theyll realize the number is a completely different number and its my mothers number. If they listened to that recording Im sure they can compare it to every phone call Ive made to them about this being fraudulent and realizing its XXXX separate people. I also have evidence to show I was not even in XXXX in XXXX because I moved to XXXX for a short time for school and family ( aunt and uncle who can also be a witness to this ) but moved back due to the pandemic in XXXX. I have paychecks that can confirm I was not at the address at this time again due to abuse at home. Please remove this fraudulent account from my credit report or XXXX have to further this to a judge who will listen. This is tiresome, I just want this issue fixed.
Product: Prepaid card

My AmEx gift card was for {$200.00}. I submitted an order from XXXX for a pair of shoes on XX/XX/XXXX. The order appeared to go through but then I got an email that my order had been cancelled, on XX/XX/XXXX : Dear XXXX, Unfortunately, we are unable to secure a credit card authorization for this order and you have not been charged. Any temporary authorization you may see on your credit card or other form of payment will drop off. The following order has been canceled. 

Thanks, Your friends at XXXX I called XXXX and tried to order over the phone. The person I talked to said my order went through but then, again, I got an email that it had been canceled due to the payment not being approved. 

I tried called American Express but couldn't get through to anybody. The recording told me to try their website ( XXXX XXXX. The website says to try a different company so I tried ordering from XXXX XXXX on XX/XX/XXXX. I got the same message, that the card wasn't valid. 

One of the reviews that I found on XXXX said to try to transfer the card to XXXX XXXX and see if you could use it that way. I tried that but not sure if it worked, or not. 

The last time I could access the card it showed my balance was now down to {$190.00}. As of today, XX/XX/XXXX, I am not able to open the link to the card so I have no idea what's going on.
Product: Money transfer, virtual currency, or money service

I am writing to formally request my concerns reguarding Zelles handling of disputes particularly CBFB lawsuit highlighting significant issues with that platform despite using zelle numerous time and reporting discrepancies my financial institution there fail to investigate my claims adequately they informed me on recovering from lost funds impossible and tracking these transactions was undesirable the cffpb findings indicate that zelle that Zelle has neglected to protect consumers but also had repeat offenders to exploit the system leaving users vulnerable to scams