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

I added my soon to be wife to my checking account as an authorized user. Since at one point in the past she had an account with them under her maiden name they left her info as it was before. We advised the banker that her name was different due to a marriage, but she informed us that as long as the ss # was the same then she should have no problem having her check direct deposited in to our account. For about 5 to 6 weeks went by and we both received our checks with no problem. We both used our own personalized debit cards to make atm withdrawals as well as pos debits. Then around XX/XX/2021 my spouses debit card was cut off without notice nor consent from the card holder. She went to the local branch in XXXX Missouri and talk to a gentleman that advised her that she had to of cut it off which she did not. He also advised her that after it was all said and done neither me nor her would have an account there. It wasnt a week later that the same branch out of XXXX Missouri cut my card off without my presence nor my consent. I am a XXXX XXXX XXXX and during the pandemic it was hard to find jobs. Just so happens that the morning I found out that my atm card was shut off I was going to bid on a XXXX dollar job. But instead I had to go from XXXX branch to withdraw some money out of our joint account which I was told I could not have any and was turned away. And then I went to XXXX XXXX and then stayed on the phone with my main branch in XXXX XXXX Tennessee which informed me that what XXXX branch did to me was wrong. So she turned my atm card back on and filed the first formal complaint with regions. That same Friday both of our checks had been deposited and we went to withdraw our money and the branch manager told us there was a no post attached to our account due to my spouses last name being different. She told us wed have to wait ten days then they would mail us a check. Ten days is a long time to wait when you live from check to check through a pandemic. After three days we finally convinced or called so much that they told us we had an hour to come get our money. Ok now there was a XXXX dollar pending charge on our account so when we went to withdraw the money they gave us the XXXX dollars also which left our account in the negative which cant be closed out. While closing the account I was asked to sign a closing withdrawal slip, which I did and then proceeded to pass it to my spouse and the teller saidNo she doesnt need to sign it but we both knew better because both of our names where on the account so I asked for a copy of the withdraw slip which they were reluctant to give me. On paper it looked like we closed it on our own free will but in reality we were forced to close it with a balance of XXXX at the time of closing. While As the branch manager walk by she yelled out across the bank tell your unemployment not to send your check here cause Ill send it back. That was embarrassing to me and my spouse. I lost jobs because of this bank. I got 60 days behind on my truck note which dropped my credit score. Thanks for listening to my chain of events.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Transunion. I have submitted a dispute twice on the following collection accounts that are reporting on my credit report. I have submitted a dispute claim twice as well as via phone dispute on the following collections accounts reflecting on my credit report : XXXX XXXX XXXX reflecting a {$1400.00} collections account ), XXXX XXXX XXXX XXXX XXXX XXXX a {$1600.00} collections account ), ( XXXX XXXX XXXX- reflecting a {$580.00} collections account ). After investigating Transunion only provided me a response that these collection agencies meets FCRA requirements, although they fail to provide me with any original signed documents reflecting that this is in fact my debt. Considering that, I have had a fraud alert placed on my accounts due to fraudulent activity on my credit after several security breaches.Without being able to provide any legitimate documentation, I ask that this derogatory information be deleted from my credit report. My next step will be litigation, considering that this derogatory information is damaging and keeping me from acquiring any new credit.
Product: Mortgage

Veteran 's United took information regarding my income and employment history and then proceeded to conduct a credit check knowing full-well that they would not be able to provide me a loan based upon the previously known income and employment history.

The credit check was an unnecessary step and was clearly not in my best interest considering the resulting decline in my credit score as a result of the credit check.

I felt that Veteran 's United was deciding to 'walk back ' on decisions they had made, and when I inquired about this, requesting to work with another loan officer, the pre-approval I had earlier been offered was verbally withdrawn and indeed they did 'walk back ' on decisions which were made solely on information stemming from my income and employment history.

Not only was my credit score was needlessly damaged, but my wife 's as well, not to mention all of the time, effort and attention that we had wasted in searching for properties that would meet Veteran 's United 's criteria, only to have it pulled away.
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mobile telephone account opened at XXXX on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX XXXX Bank on or around XX/XX/XXXX under account number XXXX, a credit card opened at XXXX XXXX XXXX on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX XXXX XXXX on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX XXXX XXXX on or around XX/XX/XXXX account number XXXX, a credit card opened at XXXX on or around XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, THESE INACCURACIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX, XXXX XXXX AND XXXX XXXX was 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, XXXX XXXX AND XXXX 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 card or prepaid card

I received a fraudulent credit card from XXXX XXXX store thru Comenity Bank on XX/XX/22. The card was opened on XX/XX/22, the same day a fraudulent XXXX card was opened. The XXXX store is # XXXX in XXXX XXXXXXXX XXXX Someone charged {$620.00} on the card. 

I live in Florida, over XXXX miles away! I reported it to Comenity Bank XX/XX/22 and to the police XX/XX/22. 

Credit Bureaus said card was never sent thru them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Urgent Matter : FOLLOW-UP COMPLAINT Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX ACCT. # XXXX Violation Reported : original creditor is reporting as unknown. 

Violation Reported : account status reports as derogatory, and past due reports XXXX balance. no balance should be reporting for a collection/ charge-off. This account is reporting under the closed account section, and not reporting under the collections accounts section. 

Violation Reported : payment status is reporting as past due 120 days, with a XXXX  balance.

Violation Reported : this charged-off/collection account is reporting under the closed account section, and not under the collections section. 

This account is reporting inaccurate information, which makes this account in violation of FCRA requirements. Please see the evidence enclosed as proof of violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 covering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 raise a serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have submitted a formal request in writing to Experian requesting that all incorrect personal information be removed from my credit profile. To this day they have refused to comply in removing the incorrect address XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and any associated accounts to this residence from my report. I have sent a copy of my drivers license and social security for proof of residency I have also submitted my most recent recent certified mail using my correct address
Product: Credit card

I purchased a rental car agreement with XXXX. For {$250.00} on XX/XX/year>. When arriving to pick up the car at XXXX I was told my 'debit card ' was not acceptable. I was then told the agreement would be 'canceled '. And I would not be allowed to rent the car. And I would not be charged ... and to contact XXXX for a refund. I have purchased rental cars on many occasions and I've always paid using my XXXX credit ( debit ) card. I did not understand that my card was in fact charged for it's use... first discovered on XX/XX/year>. I did not rent a car with XXXX. And was still charged {$250.00}. I did not authorize XXXX to charge my card for services un-rendered. It should be clearly indicated that debit cards are not accepted. It wasn't. Yet my 'debit ' card was charged...? If XXXX does not accept debit cards why then was my XXXX XXXX charged? My 'debit card ' can not then be charged because it was never accepted by XXXX as a valid form of payment. Therefore I dispute the transaction as unauthorized. It should have been clearly stated. It was not. Therefore I am owed a full refund, for the car I never rented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get setup on a 'hardship program ' with Braclays Bank Deleware Frontier Mastercard on XXXX XXXX, XXXX. The setup a scheduled payment for the program for the XXXX of each month thereafter ; on XX/XX/XXXX the payment drafted my account, when I reviewed my bank account on XXXX XXXX, XXXX, I did not see the monthly payment debited. I called that day and found out they only scheduled XXXX for autopay, and I make XXXX payment on XX/XX/XXXX in full. I then found out through my credit monitoring service that my score dropped about XXXX points because Barclays reported me 30-days late. I called Barclays back to find out what happened, they then proceeded to tell me that a prior statement went out around the same time I had enrolled in the hardship program, at the end of XXXX, and that was likely why it was reported to my credit as late. So they said they would credit the account for some interest and other fees that I was charged, and required me to make an additional payment to get the " account current '' ; but I was not otherwise made aware this account had an outstanding balance when I setup the payment program. I was told the payments that they scheduled, and the {$230.00} per month was all that was needed. So after waiting on credits to update on account, they still did not properly report to credit bureaus that my account was not late. It has never been 30-days late, and for the month of XXXX, XXXX where my credit report is showing a 30-day late status, the payment was made within 5 days of the due day, which I had thought was setup as an automatic payment. The account was Never close to 30-days late. 
Payment XX/XX/XXXX ; conf # XXXX Payment XX/XX/XXXX ; conf # XXXX ( I also setup 12-month automatic payments to ensure this was not an issue ) Payment XX/XX/XXXX ; conf # XXXX Clearly you can see there were no 30-day late payments. I have not had a 30-day late in 26 years on my credit... this is inaccurate and severely damaging to my credit and at this time I am trying to do a refinance on my home. This credit impact will prevent me from getting the best rate, and can cost me thousands of dollars in interest over the term of a home refi. I need this inaccurate reporting removed.
Product: Debt collection

Citi card keeps on calling my number 3 times a day. This is a violation of FDCPA. This is also harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS LISTED ON MY CREDIT REPORTS AS XXXX AND THE STATUS IS INACCURATE ( SEE ATTACHED GUILDLINES ) LAST 3 DISPUTES TOOK 45 DAYS AND EXPERIAN FAILED TO DELETE AND STARTED A NEW DISPUTE ON TOP OF OTHER. 

PAID IN FULL, CLOSED TRANSFER S/B STATUS AND REPORTING HISTORIES ARE WROUNG.
Product: Checking or savings account

phone was stolen and money way transferred unauthorized to someone randoms all my tax money is gone and they refuse to tell me why i cant get money back and why they did not conduct a thorough investigation into it. i filed claimed XX/XX/XXXX and claim was denied XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

see incoming XXXX of cow XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed >XX/XX/XXXX. 

Disputed accounts were opened in XX/XX/XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XX/XX/XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XX/XX/XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX . I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with XXXX, XXXX, and Equifax. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with XXXX, XXXX, and Equifax for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter.

I have also took the liberty of writing United States bankruptcy court here in Washington DC and they say they do not provide no information concerning individuals which I have attached Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted to finance a vehicle. Prior to getting pre-approval, I had worked with a credit agency to have numerous inaccuracies corrected. That was successful. When I went to finance the vehicle, the underwriter informed me there was an alert on my credit report for Experian ONLY. The alert was for a telephone number. The process as I was told from the underwriter should be easy. It was anything but easy. After being disconnected 2 times, on hold for over 20 minutes, the representative could barely speak English and kept telling me I had to send in documents. What documents? A drivers license? Because getting verified through Experians automated system and then again with the representative wasnt enough. Experian had the same drivers license on file, along with my correct mailing address and phone number because that information is listed on their credit report from just 6 months ago. NOW theres an alert? I resent the drivers license. The alert is still on their System. Experian refuses to remove the alert and Im making no progress with these power tripping people who can barely speak English. I need help. Ive given them the document they asked for and they refused to remove the alert. I can not conduct any financial business with that alert still on there. I also spoke with a Experian supervisor who was extremely dismissive, rude and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan with XXXX XXXX XXXX today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.
Product: Debt collection

a ) Describe What Happened : Rent Recovery Solutions LLC has been managing my personal information and financial data without my authorization. This involves my association with XXXX XXXX XXXX XXXXXXXX and includes wrongful activities concerning my credit report. I have noted several potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically concerning harassment, false representations, unfair practices, and issues around the validation of debts.

Key Events : Unspecified date : I became aware of Rent Recovery Solutions LLC 's involvement with my personal data.

Continuous : Unauthorized handling of my credit report and financial data. 
Recent : Discovery of potential FDCPA violations, including harassment, misrepresentation, and unfair practices.

I have taken the following actions : Sent a formal request to Rent Recovery Solutions LLC for certified copies of all contracts/agreements involving me and between Rent Recovery Solutions LLC and XXXX XXXX XXXX XXXX XXXX 
Requested documents related to bonds, charge-offs, sureties, indemnifications, insurance, and any third-party data sharing. 
Issued a cease communication order, except for acknowledgment of this letter or steps taken to resolve the issue. 
Alerted the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there are two bankruptcy judgments on my account with the wrong amount an information. There are also XXXX XXXXXXXX inquirys on my credit report. Please help me. My identification card an social has been posted all over the internet an people have been using my information
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a paid medical collection that is still being reported on my credit report. Under current law, paid medical collections should not appear on consumer credit reports. Your continued reporting of this account is a violation of the law, and furthermore, you have failed to accurately update the account as paid. Both XXXX and XXXX have already removed this account from their reports, and I request that you do the same immediately. Please update my credit report accordingly, or I will consider legal action for non-compliance.
Product: Debt collection

This company calls my cell phone and my work number asking to verify my information. They also call my  human resources manager a sking to verify information about me personally. I investigated the number that they were calling from and I found many complaints and reviews that they are a fraudulent collection company.