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

I had mailed in a dispute to each bureau on or around XX/XX/XXXX. The dispute was against XXXX XXXX XXXX for incorrect and erroneous reporting that transpired after the settlement of the account in XX/XX/XXXX. This issue was made know during the processing of my mortgage for the purchase of my new home. On XX/XX/XXXX, I had applied for a mortgage to start construction on a new home through a builder. The home slated to be completed in XXXX with closing set on XX/XX/XXXX. Last month, on XX/XX/XXXX, when my loan officer re-pulled final credit needed since my original report had expired, I was made aware of the unacceptable updates made on this account. 

The account in question was a charged off auto loan through XXXX. This loan was settled on XX/XX/XXXX. That was the date of last payment made on this account. This was not an acknowledgement or acceptance of the debt ; it was merely an attempt to help improve my overall credit status to be able to move forward with my life and move my family on to a new home. There shouldve been no subsequent reporting since then ; yet, there were several. Enclosed are the disputes that were sent to each bureau. Additionally, after the submission of these disputes, I was able to obtain a copy of each tri-merged credit report that was pulled for the purchase of my new home. I was also able be accommodated with a breakdown of each bureau, showing the account in question. This was provided by XXXX, the company used by my lender to pull each credit report. In speaking with them, they had informed me of each bureaus specific illegitimate status updates on this account. 

Within the disputes I had requested that each bureau provide me with the information being used to maintain such errors on my credit report and even went as far as requesting a wet ink signature validating that this account was in fact mine. In calling each bureau today, I was informed by Experian that the disputes were final, and no changes were made. I was told by XXXX that the dispute was completed ; however, the rep acknowledged that the initial reason for the dispute was NOT addressed and that a new dispute was re-submitted and that Id have to wait an additional 30 days. XXXX claimed that they hadnt changed the reporting of an old dispute and then alleging that they hadnt received anything in XXXX from me. This is unacceptable being I am at risk of losing my new home that construction is just about complete, along with the substantial deposit that is on hand with the builder.
Product: Money transfer, virtual currency, or money service

It has been over 30days and not a response TICKET # XXXX associated with XXXX for BinanceUS XX/XX/2021 phone broke and could no longer access two-step verification to access the account. 
XX/XX/2021 created a ticket to request removal of two-step verification XX/XX/2021 received an automated response stating : " Thank you for contacting us! We've received your request # XXXX. 
Don't worry ; we can assist you manually. 
To help you with your request, please provide the following requirements to continue : Step 1 ) : Attach the same photo of your identification that was used to register your account. 
Step 2 ) : Attach a selfie photo of yourself, holding the same proof of identification. 
Step 3 ) : Attach a video of yourself, holding the proof of identification and repeat the following phrase : " Today is ( DATE/MONTH/YEAR ), I am requesting to reset my account XXXX for my Binance.US account associated with ( XXXX XXXX. '' Please provide the documentation attached to this thread, or you may use a XXXX link ; we don't accept documentation within Google-Drives After we verify your files, we'll authorize the reset XXXX process. Please understand that as a security precaution, we will temporarily suspend the withdraw function for 48 hours. 
We appreciate your cooperation and look forward to your reply. 
XX/XX/2021 I reply with the three things being asked for and wait for response XX/XX/2021 I create a second ticket same automated response email. NEW TICKET # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX 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 Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX, XXXX SOC  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I have sent a formal complaint that they are reporting inaccurate and incomplete credit information on my Credit Report.
Product: Credit card

Please reference CFPB XXXX. XXXX. On XX/XX/year>, Comenity Bank sent me a letter, through CFPB, stating that they were attempting to purchase my account back from XXXX XXXX XXXX, and that they ( Comenity ) would follow up with me at a later date regarding adjustments to the account. I believe they were successful with XXXX XXXX as the account was completely removed from my credit report soon thereafter. However, I never heard anything else from them. On XX/XX/year>, I called and left a message with Comenity Customer Service requesting that XXXX XXXX or someone from their Customer Advocacy Team call me with an update ; no one ever did. On XX/XX/year>, I sent Comenity Customer Advocacy the attached letter ( certified mail ) ; reiterating that they have had more than 120 days to contact me, and requesting that they send me documentation that the account has been closed, in good standing, with a XXXX balance.
Product: Credit reporting or other personal consumer reports

Failed to provide my consumer report. Please read attachments below.
Product: Money transfer, virtual currency, or money service

|I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in 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 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 offenders 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: Debt collection

I owe Cons {$74.00} on XXXX account and on another account i owe {$100.00}. Im XXXX  days past due and cond told me they have the right to keep contact me until they get there payment. They also send me lots of email [ plus text messages
Product: Checking or savings account

We opened a business account with US Bank around XX/XX/XXXX and have been using it for about a year and a half However, we found out that all deposits and withdrawals from the account were disabled from XX/XX/XXXX to XX/XX/XXXX. 
We have called US Bank and visited the branch. They had informed us that our account was at risk and would be closed. They also said they would send us a check of about {$73000.00} in account balance in XXXX weeks. 
XX/XX/XXXX US BANK informed us that they would send the check in XXXX weeks again. 
Around XX/XX/XXXX we asked to change the address where we would receive our checks. 
They promised to send it to our new address within 10 days. 
It is now XX/XX/XXXX and we have not yet received funds.
Product: Money transfer, virtual currency, or money service

Paypal abuses its power and put hold on my funds without any reasonable reason. I have been with Paypal since XX/XX/XXXX ; I have a perfect record without even a single dispute or declined transaction. In XX/XX/XXXX, I started selling my business equipment on XXXX, I just bought these equipment in XX/XX/XXXX and XX/XX/XXXX, but I sold them on XXXX with about {$40000.00} loss of the price I paid for them just two months ago. These equipment were a source of income for me and I sold them with a huge loss for only one reason, to save the life of my 3 years old niece who needs a XXXX and XXXX XXXX  and living now on a XXXX XXXX. My niece is not a US citizen and not eligible for medical insurance or public assistance, so all her medical expenses are out of pocket and through fund raisings. I sold them with a huge loss because I wanted to sell them fast so I can help my niece get the needed XXXX. After I finished selling all my stuff on XXXX, I withdraw half of the money from Paypal and then I got an email from Paypal stating that my account got restricted and I need to provide proof of identity, bank statement, and invoices or receipts to proof the ownership of these equipment. I provided all documents they needed and after 24 hours they remove the restriction but they said they will hold all my money {$10000.00} for 90 days and they put 20 % rolling reserve on my account. I didn't sell my equipment with more than {$40000.00} loss to give the money for Paypal to hold it for 90 days ; I sold them to help my brother and his daughter. My niece is in a critical condition and we are short of money trying in all possible ways to collect the cost required for her XXXX. I tried in all possible ways to get them to release my money, I even emailed them hospital documents of my niece condition, hospital phone number and my niece name to call and verify, but unfortunately, I found out I were dealing with monsters who don't have any human values or mercy, they don't care about you no matter what you have or what you say. I have a % 100 positive  feedback on XXXX, not even a single return, not a single complaint, nor a single chargeback. Therefore, I am respectfully requesting that the hold on my funds be lifted due to the urgent circumstances I mentioned above
Product: Debt collection

XXXX XXXX XXXX is charging {$330.00} and it reflects as derogatory in my credit history in 2014. I did n't ever sign or even negotiate a contact with XXXX. I was studying abroad at the time.
Product: Credit card or prepaid card

I've tried to submit an applied for the Chase Sapphire XXXX Credit Card. My application was denied even though my score across at least XXXX credit agencies is Excellent and above XXXX and for the other XXXX agency my score is Excellent and above XXXX. I've been also a client of Chase credit cards for several years and I carried multiple cards with them in the past. Currently I have XXXX active credit cards with them. It's very frustrating what's going on. My XXXX XXXX received a hard inquiry from the process of applying to this Chase Sapphire Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable following items below : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} TBOM/VT XXXX Balance : {$0.00}
Product: Checking or savings account

On or around XX/XX/XXXX I received my debit card for a newly opened Chime account. I transferred approximately {$450.00} into that account that was to be used for my upcoming tuition payment. On XX/XX/XXXX I used my new debit card for a fuel purchase at XXXX to ensure my new debit card was functioning properly as I planned to use it for the upcoming payment. Immediately after getting fuel, I drove to XXXX, TN for a work event that lasted several days. I returned and went to pay my tuition but received a notice that my account had insufficient funds. Upon logging in, I saw that {$390.00} was spent by someone who stole my debit card and was not authorized by me. I immediately reached out and started a dispute. I called and emailed for updates and to provide additional information if needed multiple times during the following weeks and was always told the same, scripted answer. Nothing needed from me, just wait. On XX/XX/XXXX, I received an email stating they concluded their investigation and would not give me the funds that were stolen back. The reason they listed in writing was that the charges were made in proximity to my fuel purchase and I had recently deposited funds into my account prior to the fraud. I asked to reopen the investigation and sent documentation that I was working in XXXX when the majority of the charges were made and even provided my supervisors number. After submitting the additional information, the entire dispute disappeared from my online banking account. Over 5 emails were sent and never answered. I received an email today, XX/XX/XXXX, stating they made a decision and stood by their initial stance that it was not fraud. I reached out to my supervisor and was told that he was not only never contacted, but when he called to verify I was working in a different state when the charges were made, they told him they didnt need his verification. Its clear they did not actual investigation and are not standing by their terms and conditions. I am planning to file against them in court to recoup my costs, but not being able to pay for my final class resulted in losing a dream job that was contingent upon my graduation. After doing some research, this banking institution has a clear pattern of failing to investigate fraud and frequently causes their customers to be out their hard earned money.
Product: Credit reporting or other personal consumer reports

I recieved a copy of My Credit Report From Transunion on XX/XX/XXXX, and I noticed some things are inaccurate, erroneous and fradulent. According to Fedreral Reporting Credit Act, whenever a consumer reporting agency prepares a consumer report it shall follow reaasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report. 
TransUnion has verified certain accounts on my credit report without providing verifiable proof, which violates the Fair Credit Reporting Act ( FCRA ) and relevant state laws. This lack of substantiated evidence undermines the integrity of the credit reporting process and impacts my financial standing unfairly. It is imperative that TransUnion complies with FCRA requirements to ensure accurate and reliable credit reporting. I am taking necessary steps to address this discrepancy and uphold my rights under the law. 

1.DEPT OF ED XXXX XX/XX/XXXX Account Number XXXX, This account is erroneous, inaccurate and possibly fraudulent. 

2.DEPT OF ED XXXX XX/XX/XXXX Account Number XXXX, This account is erroneous, inaccurate and possibly fraudulent. 

3.DEPT OF ED XXXX XX/XX/XXXX Account Number XXXX, This account is erroneous, inaccurate and possibly fraudulent. 

4.DEPT OF ED XXXX XX/XX/XXXX Account Number XXXX, This account is erroneous, inaccurate and possibly fraudulent. 

As You can see the first two accounts are Duplicates. 

After thorough review and investigation, it has come to my attention that certain student loan accounts listed on my credit report were found to be erroneous, inaccurate, and potentially fraudulent. Both XXXX and XXXX have taken proactive steps to remove these accounts from my credit report. This action underscores the discrepancies and errors present in the reporting of these accounts.
Product: Checking or savings account

Dear CFPB, I am writing to file a complaint against Goldman Sachs regarding their arrogant, unreasonable, and unlawful practices regarding my credit card and saving account. 

Recently, I applied for a Goldman Sachs credit card through Apple and also opened a saving account. When I attempted to withdraw cash back from this card, I discovered that the card was issued in the name of XXXX XXXX, while my legal name, as stated on all my identification documents and XXXX XXXX records, is XXXX XXXX. Consequently, I am unable to make withdrawals. 

I have made numerous attempts to contact Goldman Sachs to resolve this issue, but they continuously transfer me from one customer service representative to another. 

I explicitly pointed out that the problem lies with Goldman Sachs using a name that has no legal basis to open my bank account. I spent a considerable amount of time proving this by calling my bank, XXXX. I fail to understand why Goldman Sachs can not simply change the name on my credit card to my legal name. 

When I was transferred to another bank representative, they informed me that if I wanted to change the name, I would need to provide court documents as proof. 

I am utterly perplexed. It is clear that Goldman Sachs made the error in my name, yet they expect me to provide court evidence. All my legal documents, such as my U.S. driver 's license and Social Security Number, bear the name XXXX XXXX. How can I provide court evidence to change my name to XXXX XXXX? 

The actions of this bank are not only arrogant but also illegal. They have allowed me to deposit money into an account with a name that lacks any legal supporting documentation. Furthermore, they unreasonably demand that I provide court documents. 

I urge the relevant authorities to closely monitor Goldman Sachs. They attract funds with high interest rates of 4.15 % while maintaining chaotic management. Such circumstances often lead to misappropriation of funds. For the safety of the U.S. financial system and the security of all small clients, it is crucial to expose this menace. 

Thank you. 

Sincerely, XXXX XXXX
Product: Debt collection

Accounts over 10 years old XXXX XXXX XXXX refuses to removed violated FDCPA, FCRA AND REFUSES TO DO AN INVESTIGATION BESIDES PARROTING INFO ALREADY RECEIVED. THEY REFUSE TO REOPEN AN INVESTIGATION BASED ON THE DOCS AND NEW INFO I HAVE TO SUBSTANTUATE MY CASE. STATUTE OF LIMITATIONS TEXAS 4 YEARS 392 OF FINANCE CODE VIOLATIONS THERE'S NO LEGAL JURISDICTION OR RECOURSE FCRA 623 a 1c FCRA 623a 3-5 FCRA 623 a 6 b FCRA 615 f 1 FCRA 605 f1 Medical bills not properly codes No thorough investigations FCRA 623 a 5 A Continuing to report info I've INFO ncluded in my idenity theft report knoweth knowingly refuses to supress INFO APPENDIX A DATA FURNISHERS RULE 660 VIOLATIONS XXXX XXXX XXXX GUILTY OF IDENITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to purchase a Mortgage Loan, they requested my Credit Report. After received by the Mortgage Bank, they notify me that the Credit Card Account is not present in the Credit Report on none of the 3 Credit Bureaus. 

I proceed to contact my Credit Card Bank ( XXXX Bank ) to verify this information and they state that the report has been submitted monthly to the Credit Bureaus. I have tried numerous times ( 15 times to be exactly in the past two weeks ) to get an answer on why none of the Credit Bureau companies have received it and they just say that they have done it ( When the Credit Bureau has not receive anything ). The Bank doesn't give me a reasonable answer or result. Do to this negligence, I have recently lost the opportunity to acquire my Mortgage Loan and lost the apartment I was hoping to purchase because that card makes me eligible with the Credit Experience needed to purchase the Mortgage Loan. After two weeks, they still don't give me a concrete answer and the Credit Bureaus still haven't receive an Activity or Existence report of my Credit Card Account.
Product: Credit reporting or other personal consumer reports

On the months, of XXXX, XXXX, and XXXX of year 2023 I sent over a verification letter to Transunion Credit Berau. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.