23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have 2 account reporting badly/ negatively on my report that was allegedly not me, i contacted the credit bureaus multiple times to dispute this account because it was not mines & all they did was verify my account which is still incorrect because that not even my address and not my accounts. So I reached out to the commissioners office of corrections because at the time of the alleged accounts that were opened I was incarcerated in the XXXX department of corrections for 5 years consecutively. The board / commissioner has wrote me back and sent me letters to back up my story on these alleged debts. Also I have my documentation for my lease of my apartment that I had within the XXXX of the alleged debt to show and verify that my address is indeed different from that address on the alleged debt. Also I have my identity theft report attached too. All of these documents I been sending to the bureau and nobody seems to get back to me. 

The alleged accounts that need to be removed are listed below & my information so you guys could verify me XXXX. XX/XX/XXXX {$96.00} Account # XXXX XXXX. XXXXXX/XX/XXXXXXXX {$450.00} Account # XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX SSN- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, and XXXX XXXX account  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Citizens bank has been holding my funds for a year + with no explanation given as to why, while at the same time charging me monthly maintenance fees on money i have no access to. I tried to transfer this money to XXXX XXXX, and XXXX was able to honor the transaction via XXXX. After i spent the money on my bills, i check back and see that the money was revered by citizens which in turn resulted in a civil lawsuit against me from XXXX. Im filing this complaint on the advice given to me by the district judge, AND the opposing parties ( XXXX XXXX ) lawyer
Product: Credit card

I tried to get my statement from the web site of Citizens One Bank. I have been locked out of this site before for no good reason. Usually I have been able to talk with customer service and resolve my problems I have had to change my password several times. This month I received a email stating that I had a ballance. I tried to go to the web site to get my statement but was locked out again. When I called the number on the card I got a message that the number was no longer in service. I found a customer service number online ( XXXX ) XXXX and was told that my card was compromised and that a new card was being issued. I had not been told or emailed that the account had been compromised so untill I talked with the CS agent today I had no idea there was a problem. I ask for them to send me aa email with my statement and was told that they could only snail mail it. So I asked for my ballance and was told I had charges and intrest and a late fee. I intend to close this account as soon as posible and have paid the charges I reconized today. I feel that the late fees and intrest are not warented and would like them removed also I would like a final statement so I can pay what I owe and be done with Citizens Bank forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently called TransUnion ( XX/XX/2023 @ XXXX XXXX ) I was transfered several times before talking to someone in another country and informed then that I vied a current Credit File and noticed several inquiries on my report that I did not authorize and would like to speak to someone to have them investigated and or removed. Again, after speaking to 3 people and an hour later I was still told they " We not investigate Hard Inquiries as they are a statement of fact, and that I would need to reach out to the one that expended credit or to whom I've applied '' I went on to tell them that this was not me and the said creditor verified this with me. Still after several conversations with them they still denied my right to investigate and remove these inquiries from my file. 

Also, while requesting ALL 3 Credit Bureaus to reinvestigate fraudulent reporting I am constantly told that " this item ( s ) has already been investigate and remains unchanged or that I am not able to reinvestigate an item that meets FTC requirements. I then ask for their ( Credit Bureaus XXXX TransUnion, XXXX & XXXX ) means of verification or validation and I am told the said creditor or court verified. They fail to send and show me their steps in validating any debt reporting to my bureaus and are constantly reporting items in which I have given NO permission to report. 

It is an FTC requirement that all items I request to be investigated should be investigated and proof of investigation should be supplied to me upon request. If I am not getting these when requested how are the Bureaus? 

I would like some resolution to this matter ASAP! I have also files a formal complaint with thee FTC with regards to these matters and will not stop until these items ( hard inquiries and accounts are removed from my personal credit file with all XXXX Bureaus )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has FAILED TO PROVIDE proof that they actually took reasonable procedures to investigate the items on my credit report that I have NO SIGNED contracts for that appear on my credit report I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature! XXXX has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a chilly of my credit report because of some issues I disputed and today I got an alert showing that old addressees were out back on my report.
Product: Money transfer, virtual currency, or money service

I am writing to express my Concerns and issues with Zelle. As I recently have seen the lawsuit with CFPB. It has brought up some issues that I disclosed to my bank, having issues with as well. I have had numerous issues that have left me with disputing and numerous other issues that have not been resolved.
Product: Debt collection

Hi my name is XXXX XXXX and Im a federally protected consumer, and I am making this complaint against NCB Management Services , Inc for committing identity theft. I have never give NCB Management Service Inc any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NCB Management Services Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NCB Management Services Inc continues its collection efforts I will file for litigation for actual damages caused and NCB Management Services Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice you are hereby notified Pursuant UCC 1-202. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been in the process of getting a home loan. We were told that I'm not showing enough credit due to no credit card showing on the credit score disclosure. When I check myself, I am seeing that I can not get a credit score. I do have a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, AL. Out of the XXXX different credit bureaus, the only XXXX showing that I have an open credit card account is the XXXX company. However, it's still not giving me a credit score. I called my bank to see if they are reporting to all credit bureaus and was told that they were. I feel there must be some sort of error in the system that no one is catching. I was told over XXXX years ago that this was a problem and I just assumed it was because of the pandemic and I wasn't spending a lot of money. However, to be told this again, I know there is something wrong with my credit being reported from this bank. I've had this credit card XXXX years and the fact that its not reporting to all the credit bureau is concerning to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. please remove these accounts from my report as it is hurting my ability to obtain credit.
Product: Credit card or prepaid card

I have requested an increase to my credit limit multiple times and have not had it adjusted even though I have a high credit score, use my card regularly and have paid off my balances in full and on-time ( early in fact! ) through the life of the card, as well as having a consistent full-time job with yearly increases of my salary. In fact, while over a five year period my salary has increased by $ XXXX, while my credit limit has only increased by about $ 4k. It's starting to affect my buying power and credit score because I don't have enough credit to make the purchases I need and can afford. 

For over a year I have been denied increases with opaque reasons like " there has recently been a charge on this account '' and " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' When I call customer service they are unable to provide any guidance on why I am being denied and have agreed that I seem like a good candidate for increases, but there's nothing they can do because it's based on an algorithm. So to boil it down, Capital One can not tell me why their algorithm won't increase my credit limit ( when other credit cards have doubled my limit compared to Capital One ) and couldn't provide proof that the algorithm was mistaken, faulty or biased. They also couldn't assure me that a person would look over the account to ensure the algorithm is working correctly. The XXXX XXXX was recently shown to have an illegal gender bias and I can't help but wonder if that's what's happening to me here.
Product: Mortgage

I need mortgage verification letter from Bank of America for a HELOC. My husband and I called on 3 separate occasions and was on hold for 1-2 hours at a time. We were given the run around by every person we spoke to. We were told to go to the bank on 2 separate occasions and the mortgage broker would be able to print out the mortgage verification letter. On both occasions we got there and they called the mortgage department they said the couldnt send it to the branch. We were also told they could fax it but couldnt email it but that also never happened. Thus has been a nightmare! I will be cancelling my accounts.
Product: Credit reporting or other personal consumer reports

I have added these accounts to my bankruptcy and these companies are actively show reporting I owe a balance and by law they are now allowed to do this. Its against the law and I want this company to be held accountable. 
XXXX XXXX XXXX XXXX account numberXXXX XXXX XXXX- account numberXXXX XXXX XXXX XXXX- account numberXXXX All are attached to my bankruptcy please verify with the clerk of courts.
Product: Mortgage

On XXXX XXXX, 2017 I received my monthly statement from Loandepot stating " unscrupulous '' information in terms of defrauding and financial gouge on our mortgage loan with a different address shown below : LoanDepot XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX We are sincerely concerned about fraudulent scam activity loandepot harassing us with our mortgage loan. The amount of our Mortgage : Principal balance totally incorrect. As we are 3 months ahead with our payments. And that is : XXXX, XXXX, XXXX, 2017. XXXX payment we made in XXXX XXXX, 2017 check # XXXX & XXXX amount & XXXX each. We are really fatigue with fraud dishonest services from Loandepot different locations we been dealt with fraudulently. We are asking for help to have loandepot investigate and scrutinize for Consumer Frauds and Defrauding us purposely. Sincerely : XXXX & XXXX XXXX ... ... Loan # XXXX Appreciate your help Thank you :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent and placed several telephone calls to TransUnion and XXXX regarding the Bankruptcy that listed on my credit report that I am requesting to have deleted immediately and a financial compensation of {$3000.00} granted to me due to the financial harm it has caused me. Over the past several years the alarming rise in identity theft due to security breaches arising in part from the growing amount of personal data on individuals that is now available electronically through public sources, has prompted the federal courts to amend the Bankruptcy XXXX XXXX and XXXX, which took effect XX/XX/XXXX. I have recently been contacted by XXXX that my information was exposed in their data breach in addition to my personal information being compromised in the XXXX, XXXX, and XXXX data breaches. 

These rule changes require the United States Trustees and the XXXX XXXXXXXX trustees to change certain procedures relating to debtor identification. Rule XXXX was amended to implement the Judicial Conferences privacy policy limiting disclosure of a debtors full Social Security number ( SSN ) on bankruptcy petitions to only the last four digits. Because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me by reviewing the last 4 digits of a social security number. 

Also, Rule 2002 ( a ) ( 1 ) was amended to require the Bankruptcy Clerk to include the debtors full SSN on the Section 341 meeting notice that is sent to creditors, the U.S. Trustee, and the case trustee, but not on the Section 341 meeting notice that becomes part of the court record. Again, because of this fact, how can the Credit reporting bureaus verify that the bankruptcy based on this policy utilizing the XXXX system belongs to me if my full social security number is not included in the court record. 

In addition, I am attaching a letter from XXXX XXXX who is a XXXX party data furnisher for XXXX, and they do not have a record of me in their system. I have submitted a request to XXXX XXXX on 3 occasions and each time have been told that there is no record on file for me. I am also attaching an email from the XXXX USCOURTS branch, and it states that XXXX  does not contact consumer reporting and credit reporting agencies. XXXX  simply provides access to federal court records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Prepaid card

I received a physical Amex eGift Card. I activated it and can see the full balance, that it is valid, and it should be working fine. 

I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction isdeclined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Product: Mortgage

I 'm asking Chase bank/Chase Escrow to provide the details for the escrow amount of {$54000.00} that was added to the loan modification document on the date XXXX XXXX. XXXX escrow dep stated that I owed the amount {$54000.00} that was added to the loan document. I 'm not sure why and where did this amount come from. Property taxes and home insurance was always paid on time before the loan modification impounded the taxes and home insurance. I called chase escrow today XXXX and talked to XXXX XXXX at XXXX requesting escrow details on my loan account before the trial and loan modification took place. The amount for escrow impounds started in XXXX but there was no defaults of taxes and home insurance. I would request a refund for the over charged escrow amount since chase will not be able to revise the loan modification documents..
Product: Credit card

I have paid off the whole balance of the last monthly statement but they still charged interest.
Product: Credit reporting or other personal consumer reports

Trans Union was told they were reporting late a payment made to XXXX on time. They did not correct it. 

The bank rep XXXX XXXX of XXXX response team did a terrible job responding to a serous error at XXXX. She was completely dishonest about a bank error In XXXX when we made a payment they MIS PROCESSED. When escalating to the executive office XXXX XXXX was not HONEST when she claimed we gave the account number and agreed to the reps confirmation. She never admitted that NO PAYMENT WAS EVER put in to our account even though she heard it called in. 

Today a kind woman investigated and said she saw an error she had not seen before in the system which was our regular checking acct number in for the XXXX payment but listed as a debit payment. Why it never was processed. XXXX XXXX hid this! 

We originally thought it a wrong account digit. INSTEAD TODAY we learned from another phone rep that they had it in their system in XXXX as a debit card with our CHECKING ACCT NUMBER. She finally told us what went wrong. 

Meanwhile the rep XXXX wrote a letter hiding the facts and then went back and added four more lates that were on time payments after XXXX as the month before- in effect worsening the problem. They wrote a snide letter making themself right when ah honest XXXX rep explained what she found today. 

We have paid down XXXX in 5 months to help finalize a problem account. 

We have screenshot after screenshot of dozens of calls left on hold only reaching a rep less then half the time. 

We can fax over the account given with a balance the whole month of XXXX far exceeding their wrongly listed returned payment. IT WAS NOT PUT IN. 

Meanwhile Transuniion has not demanding the recording or taking our XXXX statement showing no payment was presented. We can fax the full monthly statement and show the account number, dates and balances for all of XXXX, plus no payment submitted by XXXX who admits they erred today. 

We need Transunion to review the bank statement and request XXXX give the payment account details for XXXX so that it can be revealed to have been made. Therefor the XXXX, XXXX, XXXX, XXXX payments were not late. All payments since XXXX were four times the iminium payment or so. 

There was no reason to not read the bank statement.
Product: Debt collection

LVNV Funding is reporting on my credit report that they own a debt from XXXX Bank XXXX in the amount of {$2200.00} that they are collecting on, I do not owe them anything, the account in question was closed on XX/XX/XXXX. New Hampshire has a three-year limit on collections. They provided false information to the credit reporting agencies that this account was opened XX/XX/XXXX??? They are in violation of 15 U.S. Code 1692E False or misleading representations.

15 U.S. Code 1692 F Unfair Practices 15 U.S. Code 1692 G Validation of Debts 15 U.S. Code 1692J Furnishing certain deceptive Forms 15 U.S. Code 1692 K Civil Liability {$1000.00} per Violation This account is in dispute and a demand for payment is being made by me in the amount of {$4000.00} total for violation of my rights and ruining my credit on these fraudulent accusations and suppling the credit bureau 's with false, inaccurate information, Since this account is in dispute it needs to be removed from my credit report until resolved by law. I am only to be contacted through the mail, any other type of contact will place LVNV Funding in further violations. I reserve all my rights.
Product: Credit card

I have never had an account with Capital One. I have asked this company to remove this account from my credit report and to no avail had it been removed. Also, the address this company is reporting I have never lived at that address nor have family or any association to the address they're reporting. Please investigate this company for reporting erroneous information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has stated that they do not know who I am. I informed them that I have never attempted to get a loan from XXXX XXXX XXXX. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this company more than once to remove my information from their system. I should also be compensated for the emotional distress that this has caused. This company is attempting to gather peoples information and process fraudulent loans in their name or fraudulent loan applications in their name for the sake of number or to be efficient sales people. This is fraud and a violation of several laws. I need the address for this company a corporate address to pursue this matter in a small claims court. 
XXXX up | Log in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Inquiriesclose XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/2016 XXXX XXXX