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

I have contacted through dispute letter and vocal communication multiple times, both First Interstate Bank and XXXX. both blame each other for being unable to remove errors or delete incorrect accounts. First Interstate Bank has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an XXXX report which has been verified by First Interstate Bank. The XXXX Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from First Interstate Bank reported in the XXXX report is Account XXXX is XXXX. I contacted First Interstate Bank to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX ( 11 years ago ). There are many errors on this account. The account is missing High Credit and is blank ( Error 1 ). The Credit Limit is also blank and missing information ( Error 2 ). The Terms Duration is missing information and blank ( Error 3 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 4 ). Amount Past Due is blank and missing information ( Error 5 ). The Date of Last Activity is Reported as XX/XX/XXXX, This is Incorrect The date of Last Payment is XX/XX/XXXX ( 34 months later ) ( Error XXXX ). The Actual Payment Amount is Missing ( Error 7 ). The XXXX XXXX information is missing ( Error 8 ). Date of XXXX Delinquency is blank ( Error 9 ). Date XXXX XXXX XXXX reported is missing information ( Error 10 ). This account according to First Interstate Bank was opened XX/XX/XXXX with the last payment reported XXXX ( 7 years later ), Yet there is no payment history. The payment history is missing ( Error 11 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. Ifthey can not the account is to be deleted from the consumers report. This report has many mistakes.
Product: Mortgage

While I had my Mortgage with Wells Fargo I was incorrectly charged fees.
Product: Debt collection

I closed my XXXX account because they refused to remove incorrect charges from my account. Ie phones I paid for in full with cash. At the time I closed it. 3 years ago there should have not been a balance. This is a lame attempt to collect something never owed.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns with Bank of America and XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX XXXX a numerous times and reporting discrepancies my financial institution failed to investigate these claims adequately. They informed me that recovering these lost funds were impossible. The CFPB findings indicate that Bank of America has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable
Product: Credit reporting or other personal consumer reports

It's important to hold credit bureaus accountable for thoroughly investigating data breaches and providing transparent information to affected individuals. Understandably, they may have time and resource constraints, but safeguarding personal information should be a top priority. Privacy and security reasons are valid, but bureaus must have a clear understanding of the extent of any potential data breach to take necessary steps to protect my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are snippets of our conversation my recorded call is two long as it went on for 36 minutes equifax already admitted to not having such written concent by me the consumer to furnish i demanded for deletion they said they have no power to do that but they have the power to furnish on my consumer report with out my written instruction because somebody else told them too. You guys are suppose to respect my privacy 15 usc 1681 ( 4 ) I the consumer have the right to privacy. 15 usc 1681 b ( 2 ) you have to have my written instruction to furnish anything you guys have failed and is a individual action
Product: Credit reporting

I have been persistent in stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. FCRA states that I have a right to KNOW who is the party that has provided this negative information. It is my understanding that this is against FCRA, FCBA and the Public Record Act. The Bankruptcy Court has confirmed that they did not verify as it was stated by the agency. The credit agencies have stated I can no longer challenge this negative entry which is against Consumer Debt Law. This discrepancy has prevented me in my personal life 's pursuit and I am asking the CFPB please advocate for me in this challenge.
Product: Debt collection

Credit Collection Services are reporting inaccurate information to the credit monitoring systems which is a violation of my rights. I do not have any contract with them nor XXXX given that I do not own a vehicle. I have requested validation from Credit Collection Services, because this alleged debt in the amount of {$450.00} does not belong to me.
Product: Credit card or prepaid card

I booked a flight with the terms " non-refundable '' but " changeable with no fee, only need to pay fare difference '' on the Chase XXXX XXXX portal. This is a portal available to customers of the Chase Sapphire Preferred credit card, which has an annual fee attached to it. 

Over the past two days, I have spent XXXX hours on hold on the phone with various Chase customer service specialists, all of whom have failed to help in changing a ticket I bought through the Chase XXXX portal. The XXXX  portal is advertised as a perk of the annual fee, and does not work as intended. 

The latest call lasted XXXX XXXX XXXX XXXX, with the agent repeatedly telling me they would only have me on a brief hold, after which I heard them take the call off hold ( for about XXXX seconds ) before cutting the call and transferring me to the main automated menu ( from where I would start from scratch ).
Product: Credit card

To whom it may concern, Ollo Credit was purchased by Ally Bank. My problem started immediately with their website I was unable to make online payments. 
On XX/XX/XXXX. I called to make a payment. 
I was not pleased with the stance their representative took with me. 
So I decided to close the account at that time. 
On XX/XX/XXXX I mailed a check for the final balance of {$780.00}, payment which was due on XXXX XXXX. 
I wrote in the memo section of the check " PAID IN FULL '' They posted the check on XX/XX/XXXX and it was presented to my bank on XXXX XXXX. 
Talking about a snails pace. 
Its not my fault their website was not working or the arrogance of their employee or their slow pace of processing mail in payments. 
In hopes of correcting this situation, I have talked to XXXX, XXXX, XXXX, XXXX and a supervisor XXXX, who said she would call me back, but never did. 
I spent over 2 hours trying to resolve this problem. 
By cashing my check with PAID IN FULL written on it, they agreed that no other monies are owed. 
Now ALLY Bank is assessing late fees on top of late fees. 
A check is a contract they are breaching the contract. 
I want all the late fees removed and compensation for all my time and aggravation trying to resolve this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX at a KeyBank location in XXXX, Ohio, I attempted to withdraw a {$1100.00} money order from 1 of my 2 checking accounts with a teller. The account I tried to withdraw from had a recent SBA loan deposited. This loan I had recently applied for and was approved for since I own businesses. The teller saw this deposit as potential fraud needing verification according to how she said she was trained because she is a new employee so she called over a manager named XXXX. I asked them both if I could draw from my other account which had sufficient balance to cover the {$1100.00} money order and he said no. He proceeded to tell me my in front of other customers, staff and the other manager that my account " was fraud '', my account would be flagged due to the SBA fraud and he needed me to sit and wait while he verified this deposit. I sat and waiting while he and another manager named XXXX called someone regarding this. I do not know who he called. As I waited I asked XXXX why could I not get {$1100.00} since my accounts had more than enough to cover this and/or I could take it from the other checking and he said XXXX is handling this. I showed him the SBA loan approval in my phone and the screen went dark and he asked me to reload it and I did and he looked again but still did not help. After 15 minutes XXXX told me I could get the {$1100.00}. As the teller was withdrawing my money order he mentioned to me where both of my accounts were opened and said in front of her that my account may be closed after I leave due to fraud. XXXX accused me the entire time I was at the bank a being a criminal. He and XXXX did not allow me to withdraw from either account which is not proper protocol. XXXX had no reason to suspect a fraudulent transaction. I showed my ID, I have been a customer since XXXX. I believe he profiled and discriminated against me. I am young and XXXX. He also made an exerted effort to watch me walk out the back to see what car I was going to or who I was with. His behavior was over and beyond protocol. He can not determine by calling anyone if my SBA loan was fraudulent. In speaking to a KeyBank executive, she acknowledged that he was supposed to at least let me draw from the other checking account. I want to know who XXXX called and what was said about me. I also suggest the video be seen of this situation. I asked a few times while I was there why I could not draw money when my SBA loan was less than my account balance before it was even deposited. He blocked all my funds, not only the loan amount. He spoke to me as it was definitely fraud every time we communicated and I had corrected him to not say that in front of XXXX and the teller because it was a legit loan.
Product: Debt collection

This company TSI on my credit report says original creditor is XXXX XXXX. Says the debt was in XXXX. I have never had an account with direct energy. TSI calls me every morning even while the dispute is in progress. I have disputed several times. They have removed the account from my report and started a new account. I have had no contact with this company other than disputing the report. When the disputing started in XXXX of XXXX the calling started and new accounts were opened and placed on my report for collections.
Product: Credit reporting or other personal consumer reports

I filed multiple disputes against the creditors XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX due to incorrect investigations reflecting on my credit report. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX XXXX XXXX. They alleged the company of accepting unreliable information, failure to notify the consumer dispute results. This aligns with my situation! XXXX has not attempted to remove, nor correct any information on my report. I'm requesting these derogatory remarks be removed immediately as it is affecting my chances on a better line of credit for a new car and house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : DEPT OF EDUCATION/NELN XXXX
Product: Credit card or prepaid card

In XX/XX/2021, I came across an offer to apply for a credit with an incentive to receive a {$200.00} statement credit reward if I charged {$500.00} to the card within the first 90 days of the account opening. 

I was approved for the card, received it and proceeded to comply with the offer and completed the transaction as required by the offer. 

When the credit did not appear on my account after a considerable time, I began to call to inquire and received no satisfaction at all. 

I the wrote to the bank 's home office and received no reply, wrote again to see if they received the letter and still no reply to date
Product: Mortgage

Ocwen raised my monthly payment wrongfully after stating I did not have " acceptable '' insurance. I disputed the amount of escrow they charged, and did not pay that amount while it was in dispute. I did make my monthly payment, and have an unblemished payment history going back for years. They filed a negative credit report with the credit reporting agencies saying I had missed a payment, which was false and untrue. I have never missed a payment. Now, my credit score has gone from " Good '' to " Poor '' thanks to their screwup in wrongfully saying I had missed a payment, which the record shows I have not. 

Also, I have not heard from Ocwen about my complaint to you and them that they wrongfully raised my mortgage amount by more than {$400.00} a month to pay the escrow for an alternative insurance policy they bought for me, which I did not need because I had insurance already and sent them numerous notices to that effect. 

This is victimization of homeowners at its worst, and I want this stopped, my credit score fixed by having them withdraw the negative report, and all monies payed to them wrongfully for the outrageously high, unnecessary increase in my escrow amount to be refunded.
Product: Debt collection

I got a bill that is not mine from ACI for XXXX. I don't have a XXXX credit card so I should not have to pay {$980.00} under reference # XXXX
Product: Student loan

Mohela is ignoring the rules put out by the department of education and forcing me to recertify my income XXXX year earlier than what is required. My recertification date is listed as XX/XX/XXXX, which means I do not have to recertify my income until XX/XX/XXXX and am able to maintain my same payment amount. Because I did not recertify by their deadline, XX/XX/XXXX, they increased my payments from {$0.00} to more than {$2300.00}, with the first payment due XX/XX/XXXX. 
This is a direct contradiction to a written correspondence I received from them on XX/XX/XXXX stating my payments were {$0.00} and if my recertification date is listed as between now and XXXX XXXX, I can delay recertification by 1 year. My recertification date is XX/XX/XXXX. They sent me another letter XX/XX/XXXX stating I need to recertify by XX/XX/XXXX or my payments would increase to ~ {$2300.00}. I called Mohela and they told me I can ignore that letter, I was not due to recertify and that their systems are still catching up. 
I received the most recent notification on XX/XX/XXXX stating that because I didnt recertify my new payments are ~ {$2300.00}. They are using made up terms and rules such as first payment to justify what they are doing. They claim that because the first payment is due XX/XX/XXXX, this is after XX/XX/XXXX and I am ineligible for the extended recertification.
Product: Money transfer, virtual currency, or money service

Venmo recently implemented an enhanced identification verification process that was no a requirement before. This resulted in them locking a few hundred dollars in my account and demanding either 1 ) personal identification information ( including last 4 digits of SSN ) ; or 2 ) my bank account details, if I wanted to be able to transfer this money to anyone else or to withdraw the money. 

Venmo is a shady company that I do not trust with my personal/banking information, and only reason I was using it was because they allowed me to have a usable balance for years ( by receiving money from others first ). Now Venmo allows me to add a debit card and continue making payments, but prevents me from using my available balance until I provide personal information. 

In essence, Venmo lied about not needing personal information, and is currently holding a few hundred dollars hostage and demanding I hand over my personal information, claiming its a PATRIOT ACT requirement despite that act not being anything new. This is ridiculous for a company to mislead a customer into using their product, and hold customers assets hostage while demanding personal information.
Product: Credit reporting or other personal consumer reports

I went to attorney to get information on bankruptcy but never followed up with the attorney authorizing them to move forward because I changed my mind and did not want to file but they did without my consent. I contacted LexisNexis several times requesting that they reframe from falsely verifying this incorrect information and Opted out from any services they provide to their customers involving me or my social security information.
Product: Debt collection

I am the victim of major fraud using my social security. the scammer has used my name to apply for loans, car loans, credit cards and more as well as hacking my bank accounts which ive had to close due to fraud. ive disputed and resolved most of these issues, including affirm ; but there are two one which has already been removed but the second is still on my credit which it is one in the same. The claim was supposed to be for all the affirms ; as i have no idea what these charges are, i didnt apply for loans, i didnt use the service i dont recognize any of these transactions.. It has been impossible to do anything without good credit and ive been trying to resolve this for the past 6 months. I am a victim and this is so unfair.. I already disputed with Affirm but i dont have any affiliation with this debt.. i need this removed as it is fraud and ive been a victim of major fraud across all my social accounts... Please help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

just notified that was unautiorized hard inquiry on my XXXX  credit bureau XXXX XXXX XXXX from XXXX XXXX Bank  XXXX, i already have active account XXXX XXXX Credit Card ending XXXX ) and i didn't apply for any new account so this impact my credit
Product: Mortgage

I started a refinance with Freedom Mortgage on XX/XX/XXXX. The first person I talked to was XXXX XXXX and he is my loan officer. The last he called me or spoke to me was XXXX XX/XX/XXXX, promising that i could skip XXXX and XXXX payments for my mortgage. Since then, he has not returned my various many calls regarding the refinance. When there has been major and important issues with the refinance, like the title issues and a trust, no one from freedom mortgage has called me. I payed {$300.00} to my lawyer to fix trust issue, that he stated happens in refinance all the time by the mortgage and title company. I have sent emails to XXXX XXXX on XX/XX/XXXX and XXXX, and he never replied. I left voice messages on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. He has not called me back, but i got an email from XXXX on XX/XX/XXXX, telling me to sign Freedom mortgage papers stating I needed to fix an issue that I had fixed 2 weeks prior, without any acknowledgment of any of my concerns. I called the Freedom Mortgage customer service on XX/XX/XXXX to see if i could reach XXXX XXXX, XXXX XXXX Supervisor, i left a voicemail and had No response. I called the Freedom mortgage customer service line on XX/XX/XXXX, to request a new loan officer and file a complaint, and i have not heard back. On XX/XX/XXXX i have been called by the Title company " Inspire Closing '' that Freedom not approving my loan because of my divorce decree. This is something that should have been addressed back in XXXX And everything I have learned about the issues of my loan with Freedom has come from " Inspire Closing '', not Freedom Mortgage. 
This delay is causing many issues with my credit applications. I have expressed this with Freedom. They have me in contract for refinance and it is infringing on my ability to do anything with my credit. They target veteran with XXXX and then abuse their power. I have racked up {$240.00} late fees with Freedom since they promised i could skip payments. I had paid {$300.00} to lawyer. I need a refund on that unnecessary expense that Freedom forced me into. and XXXX XXXX promised i could skip XXXX and XXXX payments thats {$2900.00}. Total of {$3500.00} in money owed to me as a contract consumer. I need someone from Freedom to finish the refinance with professionalism and that will contact me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent my third written request to Experian to validate the debt they claim belongs to me. Despite my multiple inquiries, Experian responded by stating that they verified the debt but have not provided the original document containing my signature. 

I have supplied them with my Social Security number, a police report, an FTC report, and proof of my address, yet they have failed to provide the necessary documentation. Under California law, I am entitled to receive proper validation of any debt claimed against me.
Product: Credit reporting or other personal consumer reports

I mailed a certified letter to First Premier in regards to an alleged account I wish to dispute and mailed a XXXX request made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/year>. First premier has yet to Freon DVPO my letter within the 30 days required, yet Experian already closed the dispute within a week without allowing the process to proceed. Other credit agencies XXXX and XXXX have opened an investigation accordingly. I have mailed uploaded a new letter dated XX/XX/year> to Experian
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX {$620.00} This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a couple accounts reporting on my personal credit report that I did not authorize, approve or apply for and opened fraudulently under my personal name and information. These accounts have resulted in several fraudulent negative accounts and/or collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.