23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I requested a balance transfer through my XXXX credit card who use XXXX XXXX as a third party. The balance transfer was approved and check was mailed by them to Capital One for the amount of {$7500.00} on XX/XX/23. Capital One deposited the check on XX/XX/23. The amount was taken off the Capital One account but later put back on saying the check was returned on XX/XX/23. I now have {$7500.00} on my XXXX credit card account and my Capital One account. I have spoke with both parties multiple times. XXXX states the check as cashed and there is nothing else they can do. Capital One states the check didn't go through. Each party says nothing else can be done so I now have the charge on each account. Capital One refused to reopen the payment investigation and asked I fax anything to their General Correspondence. I did fax them proof of the cashed check that XXXX sent me a copy of. Last person I spoke with at Capital One said that doesn't help because they did try to cash the check and that's all the proves, it's that the check didn't go through. When I reached back to XXXX they again stated the check was cashed and no further investigation can be done.
Product: Credit reporting or other personal consumer reports

This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.
Product: Credit reporting or other personal consumer reports

A bankruptcy has been reported on my credit report, but the financial institution that initiated it did not validate or apply it. However, the credit agencies continue to report this bankruptcy on my credit history, along with a variety of accounts that are shown to be included in this same bankruptcy. I have disputed this information on several occasions, but it has not been possible to remove these records from my credit history.
Product: Credit reporting or other personal consumer reports

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Product: Checking or savings account

On XXXX I deposited check XXXX for XXXX electronically. The full amount was deposited into my account on XXXX On XXXX My purse was stolen out of my car and I called to notify Arvest of potential fraud on XXXX. I canceled my debit card and requested a new one. 

On XXXX Arvest pulled XXXX from my account stating it was a duplicate. That day I called to notify Arvest that is wasnt a duplicate and my employer rejected the second check. I was then informed after those funds had been withdrawn that it was deposited into an account at XXXX XXXX XXXX on XXXX. 

Falsely endorsed and deposited into a fraudulent account. Identified by XXXX XXXX XXXX. I have submitted documents from my employers bank stating it was fraud and they only honored my first deposit which had been in my account over 30 days. I also submitted police reports including proof this was fraud. 

Arvest has failed to acknowledge fraud after filing 6 different disputes and refuses to return my funds. Also failed to flag initial fraud on my account when duplicate check was identified. 

I have included the supporting docs and screenshots of Arvest site and how to deposit electronic funds. It does not state that the owner of the check is responsible for the loss if fraud is attempted on a second deposit nor does it state mobile deposit must be written on the back of check or customer will be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was examining my credit report and I saw some accounts that are being listed on my credit file but are false. I do not have any debt with these companies and have no knowledge of these accounts. I believe they are fraudulent or there is an error in their system. Please investigate this issue because it is stopping me from gaining any new credit. These accounts are not mine.
Product: Debt collection

I have recently filed with the FTC and CFPB that I am a victim of identity-theft and submitted police reports, FTC Affidavit and CFPB Victim 's Complaint documents attesting to the fact. 
I just updated my credit report on XX/XX/2018 and have found a new collection account has been entered on my XXXX credit file from " XXXX XXXX '' representing " XXXX XXXX '' for an amount of {$880.00}. I have never applied or given XXXX XXXX authority to grant any services in my name.
Product: Checking or savings account

On XXXX XXXX XXXX my checking account was hacked for XXXX $ and I thought no big deal and XXXX XXXX XXXX was account was hacked by the same person or persons for XXXX XXXX I bank at Chase Bank and at first they told me it would take 24-48 hrs. to retrieve my money and then that turned into 10 days. By the banks advice I closed my old checking account and opened a new one. The bank then said they tried to put my money in the old account and could n't because it was closed. So then they told me it would be an additional 10 days because they had to go through the process of verifying that the money should be transferred and I told them they already decided to transfer the money why would this process have to be done again and they did n't have an answer they just said that it would. Then after that 10 days expired I called again and they told me it would take until XXXX XXXX before my money would be returned. At this point I do n't have a good feeling that will happen, they will come up with something else as an excuse and that will make it almost 2 months that I 've been without close to a XXXX dollars and I do n't know what else to do.
Product: Credit card or prepaid card

Barclay card is not refunding the Ernest money I used to purchase a vehicle. I used the card XX/XX/2022 waited till the car company had refunded the money. Then added 3 or more business days before contacting barclay. The acted as though they ne er received the refund, so I contacted XXXX the auto dealer again the reissued the refund that day. I called back and still the same we don't have it you will need to wait 15 days to file a complaint which has conveniently put the date ( of the first transaction ) past my billing due date. They have not been any sort of helpful and it seems they are trying to ensure they get the interest money before submitting the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$82000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$140.00} XXXX XX/XX/2021
Product: Checking or savings account

I closed on the sale of a home I purchased with my ex-fianc on or about XX/XX/2018. I was the primary mortgagee on the loan with Wells Fargo Mortgage. Wells Fargo mailed the escrow refund check in the amount of {$2200.00} to my ex/coborrower made out to first me, and also the secondary borrower, on or about XX/XX/2018. The check did not say " and '' between our names. My ex cashed or deposited the check into his Wells Fargo checking account without my presence, permission, or an endorsement by either of us on XX/XX/2018. I was given the runaround initially with Wells Fargo mortgage telling me I had to contact the bank - Wells Fargo banking, and then Wells Fargo banking telling me I had to contact Wells Fargo mortgage, and that I had no standing as a non-customer and not being the one who issued the check. I opened a case with Wells Fargo mortgage and asked for them to pay me my half or clawback the funds and give me my half of the escrow refund. They got back to me today, XX/XX/XXXX, with their final response, and said they found no wrongdoing either in how the check was written or in how Wells Fargo banking deposited the check. I find this to be unacceptable mortgage and banking procedure. Other institutions require signature by both parties for small amounts of money. I believe for two unmarried mortgage holders, the check should have been written with the word " and '' between our names. I also feel it should not have been possible for my ex to deposit the check without either my presence, permission, or endorsement. Both are irresponsible methods of handling these funds without due respect to the protection of the legal rights of their customers and parties to whom checks are issued. Also, my understanding is that most other banks do require all parties to be present to disperse a check made out to 2 parties. As an aside, our City Water Department wrote the word " and '' on the refund for {$150.00} sent to us, and when I told them my ex would not meet to cash it, they said they could not send the check to just me, all they could do was issue separate checks to each of us for half of the amount, which was perfectly appropriate and respectful of our legal rights. If they could do that for us, why should we expect or demand any less from our financial institutions. Attached is a copy of the check I received from Wells Fargo.
Product: Mortgage

We sold our home on XX/XX/XXXX. The closing attorney and Mr. cooper mailed checks to XXXX County Ga. Tax office. The check from the closing attorney was received XXXX and cashed. The check from nation star dba Mr. Cooper was received and then returned to Mr. cooper on XX/XX/XXXX. Mr. Cooper received the check back on XX/XX/XXXX. I have spoken to Mr. cooper in XXXX XXXX XXXX, XXXX XXXX and XX/XX/XXXX-XX/XX/XXXX. I was told in XXXX that it would be 6-8 weeks before I received my refund. On XX/XX/XXXX I was told that it will now be XXXX before I will be given a refund. They stated that the XXXX county GA tax office would not be issuing a check to them until that time. I contacted the XXXX County tax office and as they stated to me before, the check was mailed back to Mr. cooper and they have not received another check from them, so there is no reason for Mr. cooper to say XXXX County will be issuing them a check. The amount is XXXX.I received a letter dated XX/XX/XXXX cancellation of deed to secure debt. I have spoken to people from Mr. cooper who can not understand why I must wait 9 months to have my escrow returned after the home has been sold, the account paid in full and I never missed a payment with this company. I would appreciate any help in this matter
Product: Credit reporting or other personal consumer reports

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent accounts. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged these accounts from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify these accounts when the aforementioned bureaus have already removed them. I urge you to delete these accounts from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
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 consumers safety.
Product: Debt collection

Happy Friday XXXX! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

This is the second time that Bank of America has RETURNED my payment to my bank and charged me with a returned payment fee. 

When I have tried to call, they hang up on me. 
Please help/
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

ope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of the unauthorized accounts from my credit report. I did not approve or initiate these accounts, and I am unaware of where they originated. Under USC 1681g, I ask that they be removed within 15 days. The enclosed documents are provided for your detailed review.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is being reported as someelses name on my credit bureau. I have sent information in proving who I am but this company is still reporting fictitious information to the credit bureau. Phh mortgage is supplying the bureau with inaccurate information which I deem as fraudulent when purposely and continuously report inaccuracies after I have proven my name is XXXX XXXX. I do not go by any other name. So stop reporting XXXX as my last name THAT IS NOT ME
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, Collection # XXXX, Collection # XXXX, Collection # XXXX, Collection # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, and XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. : States consumer report must be 100 % accurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681 Section 605 A 1.

See Attachment of Proof of Inaccurate Information YOU HAVE 4 DAYS FOR DATE OF RECEIPT TO DELETE INFORMATION.
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.
Product: Mortgage

My loan was serviced by XXXX XXXX and was transferred two years ago to First Citizens. I began receiving bills that included fees that seemed inaccurate, AND they informed me that I was past due ( which I was not ). For two years, EVERY MONTH, I have been trying to resolve this on the phone with them -- they will not allow me to escalate the matter on the phone, but promise return phone calls never come. Finally, in XXXX of this year ( after I called the CEOs office number ) I received a call acknowledging that I was not late, but was in fact paid a month ahead. To correct it they told me to skip a month 's payment -- I did and that portion of the problem was correct EXCEPT I had asked them to remove the late fees and correct derogatory credit items. They again keep promising me call-backs that never come. They have not even attempted an explanation for the new " fees. '' On the advice of an attorney, I sent them a formal request in writing to fix the problems. They received it 2 weeks ago and have yet to acknowledge my letter. They are required to acknowledge it within 5 business days. They acknowledge the problem when I call them, they won't let me talk to anyone and promise me calls back -- they never come and the problems haven't been explained or fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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: Credit card

XX/XX/XXXXWelcome to Card MembershipWe are pleased to let you know that your application for the American Express ( R ) XXXX Card has been approved. We hope you 'll enjoy the benefits of Card Membership. 
As of XX/XX/XXXX I have not received my card. 
I made numerous call to American Express, and I was promised a card.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.
Product: Credit reporting or other personal consumer reports

i have made several disputes regarding # XXXX XXXX XXXX XXXXXXXX choice fin and XXXX wireless these are not my accounts and they refuse to send me any verifies information so i can review myself this is fraud and unfair debt furnishing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$6700.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX Balance {$9900.00} XXXX XXXXXXXX Balance {$140.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXnquiry Date XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXXInquiry XXXX-Inquiry XXXX XXXX - Incorrect XXXX XXXX - Incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.