23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

{$230.00} ( XX/XX/2024 ) I deposit my paper check on cash app before XXXX was told it will take XXXX business. I been talking to cash support for going on a week no help no resolving the issue for a week. Was told XXXX different time frames when I could receive. It is XX/XX/XXXX It been dam near waiting to receive my deposit for a week. I even called the cash app support number and ask to talk to a manager but they dont have no higher ups. It just people in cubes passing the phone around.
Product: Debt collection

This is XXXX XXXX who is submitting this CFPB complaint myself. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Equifax Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 

( ( XXXX XXXX : ) XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year to no avail I have filed several complaints about the FACTS on my credit report.Under the " fair debt collection act '' I am entitled to proof that I owe the monies stated inaccurately on my TRANSUNION credit profile. It states that collectors must document a claim and Evidence that proves this claim. 
UNFAIR PRACTICES OF REPORTING AND ACCEPTING THIS INFORMATION IS REFLECTED WHEN THE INFORMATION THAT IS PROVIDED ON MY TRANSUNION REPORT IS INCOMPLETE, DOES NOT PROVIDE A COMPLETE HISTORY OF PAYMENTS. 
35 % OF MY CREDIT WORTHYNESS IS DEPENDENT UPON THIS HISTORY AND THE ACCURACY IN WHICH IT IS REPORTED, THAT IS, THE SOURCES THAT PROVIDE CREDIT INFORMATION ALSO PROVE THIS INFORMATION WITH PROPER DOCUMENTATION STATED IN '' THE FAIR CREDIT BILLING ACT ''. 
So, under the FAIR REPORTING ACT all information in my credit report, I ask this info be proven, with evidence or removed from my report to show a more complete history of the Facts of my standings.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Collection : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX Date of inquiry : XXXX
Product: Credit card or prepaid card

Ive been dealing with Bank of America dispute resolutions department since the end of XX/XX/2022 regarding money in the amount of {$7700.00} that was stolen from my edd card. I filed claims regarding the funds I was told it could take up to 45 days to investigate but within 3days the claims were denied saying there was no error and the transactions were authorized. I asked for them to send me what they used to reach this decision and all I was sent was statements from the account which clearly show the transactions were done in XXXX, and other places that are 2 hours away from where I live. First the cards were never mailed to me they were sent to two address which I have never lived at which Ive stated over and over again second the transactions were done in another country and I have never left the United States of America. I have spoken to numerous representatives and supervisors and Im getting no help at all and they are just giving me the run around over and over again. I have filed a police report as well as sent them supporting documents. Mysteriously they keep saying they never got the documents that have been sent twice and told I can send them again which I should not have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to dispute item # XXXX on my credit report it has been over 126 days and they're saying they won't dispute it. Does the rules not apply to this company? Truthfully verify the information or remove it.
Product: Credit card

Purchased concert tickets on XXXX  using chase credit card. XXXX was original ticket issuer. XXXX voided the tickets due to fraud. I requested a refund from XXXX but they continue to refuse to cancel. I disputed transaction with Chase but they sided with the merchant. XXXX email attached
Product: Credit reporting or other personal consumer reports

informed company that their reporting on the account was incorrect, provided information that billing of account had changed and company proceeded to report adverse items to reporting agencies. I have been a victim of data breach and unfortunately personal information remains at risk. Informed company to make corrections as the fallout of such data breach is beyond control. they responded with no understanding of how laws work and they must correct as transactions being reported are incorrect..
Product: Credit reporting or other personal consumer reports

XXXX remains in violation of code XXXX XXXX XXXX ( a ), which states a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN XXXX BUSINESS DAYS AFTER THE RECEIPT. 

XXXX refuses to comply with the law, in which they didn't delete all listed fraudulent accounts no later than XXXX days, but instead simply updated each account with remark codes- reinvestigation in progress. THIS IS UNACCEPTABLE. 

PLEASE NOTE : A REINVESTIGATION IS NOT THE REMEDY TO IDENTITY FRAUD, DELETION IS. XXXX consistently violates my rights as a consumer and is operating in violation of XXXX XXXX. 

Furthermore, TRANSUNION complied with all legal requests and deleted the fraud accounts listed, but still have not deleted the listed fraudulent Inquiries. 
XXXX refuses to delete anything, and XXXX is in alignment with XXXX on not deleting accounts & Inquiries.
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 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.
Product: Money transfer, virtual currency, or money service

I withdrew my $ XXXX 401k check from Wells Fargo in XXXX when I was XXXX but then took it back to WF to roll over in an IRA account because I didn't want to be charged with the penalty. In XXXX, I called WF and wanted to withdrawn the $ XXXX check from the IRA account and the banker told me that he will send the check to my new address after 10 days due to the fact that they need to verify my new residence. The check never showed up and now it just disappeared. I have been back and forth with WF for all these years and nobody could tell me what happened to my check. They have no record of the check what so ever. I contacted by phone and by mail to my employer at XXXX XXXX which is now acquired by XXXX and nobody replied. My hard-earned retirement money of $ XXXX is just gone without a trace. I ran out of options and can't afford to give up. Could you help advise me what to do next to find my money. Any attorney that can help me with my case? Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX  XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

My ex girlfriend used my information to open accounts without my consent and i am just now finding out. She opened credit cards and a XXXX account. Now everything is in collections and my credit is ruined
Product: Money transfer, virtual currency, or money service

Wells Fargo has not asked us for any information that caused them to not deposit our funds. They said the money was sent back XX/XX/XXXX, but the exchange broker confirmed that the funds are still at Wells Fargo ad of XX/XX/year>. They received our wire back in XX/XX/year>, but without asking us for any information they XXXX have needed, simply not communicating with us and not depositing our funds. 

These are the communications with XXXX, Wells Fargo and a banker at Wells Fargo. 
Hello, Thank you for your email. XXXX does not stop, seize, or hold funds. Financial institutions stop to investigate and release, reject, or block transactions or accounts pursuant to U.S. sanctions regulations.Please be advised that, in the course of investigating a potential sanctions nexus, a bank may request additional details from its customer, as part of the banks operations. This is not a request from XXXX. If a bank is unable to clarify a potential sanctions nexus, they may be unwilling or unable to process the funds forward. Please encourage your financial institution to contact XXXX if they continue to have sanctions-related questions after you have provided the requested information. XXXX toll-free Hotline number is XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) U.S. Department of the Treasury Contact Us : XXXX XXXX XXXXXXXX XXXX XXXX, Please follow through with this, I am very upset with how XXXX is not doing his job on this hassle. You have left me with no options but to seek legal actions against your various departments for not providing a clear response AFTER OBTAINING A SIGNATURE FROM OUR SON. 

This is total breach of our banking rights and I will assure you of a full-blown lawsuit against Wells Fargo for violating our banking rights even for being in compliance and fully transparent. 

This is totally unacceptable and I will see to the end to see who is responsible for not acting in good faith and in violation of my rights. XXXX, your Manager, is a big part of this problwm foe not doing his due diligence. 



XXXX Agent, Thank you for your prompt response, Wells Fargo has not asked us for any further information, nor did we refuse to provide any information they requested of us., but they simply refused to deposit our funds, after their golbal sanctions unit refused the deposit, despite their XXXX unit approving it. 


We are now hiring an XXXX lawyer to look into this issue of how Wells Fargo is overstepping their authority in violating various financial banking laws against us. We have had no issues, until now and without any clarifications or reasons by this irresponsible and careless financial institution, Wells Fargo. 

Sincerely, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, itself is furnishing information on my consumer report without participation of the said companies. For example, when I contacted XXXX XXXX  if they furnished inquiry on my consumer report, they said no but transunion is publishing the said report. The is falsification of information and identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This reporting agency is reporting information on my report that I have not given consent for them to furnish pursuant to 15 usc 1681b. I have sent them a letter on XX/XX/XXXX. It has been well over a month and they still have not completed their " Investigation '' They are continuing to furnish inaccurate accounts on my report and I demand these accounts be removed immediately as they have not complied with the legal time given to look into my case. If these accounts aren't removed immediately I will be seeking monetary remedy as they are committing fraud and identity theft.
Product: Credit reporting

The investigation told me about debt collector. The debt collector told me it came from a dr at a hospital during a XXXX last year. I called the dr. And the hospital they reffered me to. Neither the hospital nor the dr. Have any knowledge of debt.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. Over 60 days later I have not received any response yet. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report so they should be removed already since it's been well over 60 days. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. 

XXXX Accounts are below XXXX XXXX XXXX XXXX XXXX XXXX - 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
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CREDIT COLL Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I have a Cash App account and I set up for my stimulus payment to be direct deposited into it. The IRS deposited it on XXXX XXXX. Here it is XXXX XXXX. And the money still not there. They have no contact phone number just email. They don't respond to that like they should. COULD you please help.
Product: Credit reporting or other personal consumer reports

Equifax do not investigate my inquiries or my disputes.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2021 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Product: Credit card or prepaid card

I initiated a purchase with the merchant XXXX on XX/XX/2022 with a Buy Now Pay Later servicer called Klarna. Through the Klarna service I created a one-time card for {$560.00} and the credit card I used to split the payments was charged {$160.00}. The merchant charged {$560.00} as an authorization until the items shipped. On XX/XX/2022 part of the order shipped and the card was then charged {$320.00} and was delivered on XX/XX/2022. The other half of the order was cancelled on XX/XX/2022 by the merchant and released the authorization hold for {$230.00}. I initiated a return with the merchant to ship back the part of the order I did receive and was issued a refund in the amount of {$300.00}. Also the balance on the Klarnas end should only be {$22.00} since the merchant confirmed the refund and authorization release. I have reached out to Klarna numerous times and they have refused to assist me, even after providing proof that the merchant did not charge the card and released the funds. This is clearly abuse on Klarnas part as they have made no effort to review their systems and correct the error. The merchant has been more than helpful in providing proof that they have indeed refunded and released the authorization hold. 

Klarna is attempting to steal money from me by not acknowledging the authorization hold release and providing me a refund to the credit card I used to split my payments with their service.
Product: Mortgage

My mortgage lender started foreclosure proceedings then stopped short of a sheriff 's sale.then they turned everything over to a company called ocwen a debt collection agency. my husband and I purchased the house in XX/XX/XXXX as a retirement place for the XXXX of us. they also sold us an insurance policy that would pay off the house in the event one of became deceased. My husband became ill and later passed away.I contatcted Option 1 the mortgagor at that time as well as the stated insurance company I sent the death certificate I was told that was not what the policy was for.Fimally icould not make the payments without my husbands income the house would sale for what was owed on it.They would not allow me to return the keys in leiu of foreclosure I moved into my sisters home as I could no longer pay nor could I maintain.. XX/XX/XXXX I submitted a hardship affidavit and they allowed me to list the house with a realtor they will not accept any offers citing the are too low.In the meantime they continue to harass me for money I do n't have.I afraid to answer the also send several letters a month with ever increasing demands for payments. 


















they want over XXXX XXXX dollars amonth at this time.I do n't have the money I do n't know what to do I made my last payment XX/XX/XXXX.that was the last of the insurance money from my husbands death.the house is empty and still in mine my husbands name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of your negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o. Despite my previous efforts to resolve inaccuracies on my credit report, you have failed to fulfill your legal obligations, causing harm to my creditworthiness and financial well-being. 

Violations and Noncompliance : Failure to Investigate & Correct Inaccurate Information : XXXX XXXX XXXX XXXX TEK Collect INC. 

Failure to Provide Proper Notice or Justification : l disputed these companies due to not receiving any information/ Mail regarding them being on my credit report. Nobody has addressed these disputes. These disputes were created a year ago.

Negligence Resulting in Financial and Reputational Harm : Due to your failure to comply, I have suffered damages, including denials of credit, higher interest rates, and difficulties trying to find a home.
Product: Credit card or prepaid card

I opened a Illinois State Lottery account and attached a XXXX credit card to purchase lottery tickets online. I did not realize that each {$5.00} lottery ticket purchase was assessed a {$20.00} Cash equivalent fee by XXXX XXXX. non of this was disclosed to me when I registered the card and subsequently made several purchases, 11 transactions in 3 months and {$220.00} in fees later. I contacted XXXX and asked to have the fees waived and discontinued using the online lottery account. XXXX responded that the fees were valid and only issued me a credit for {$40.00}. I want all the fees waived and returned to me. They said the fees were disclosed on the application when I applied for the card several years ago. I am aware that many transactions are conducted online with credit cards, and a disclosure of fees applicable appear when you check out. In this circumstance there was no such disclosure or I would not have completed the transaction knowing that the fee was going to be {$20.00} to make a {$5.00}. purchase.
Product: Credit reporting or other personal consumer reports

XXXX decided to delete the long established tradelines on my credit reports showing their name as XXXX and changing it to Missouri XXXX XXXX and also changed the account numbers for my loans. These changes resulted in both inaccurate information being reported and a large drop in my credit scores with both Transunion and XXXX. I have not seen any updates to XXXX yet. XXXX credit bureau was even reporting double the loan amounts. Another was reporting some loans correctly and then missing others. I disputed with the credit bureaus twice now and some of the information has been updated or corrected but my credit scores have taken a huge hit because of name and account number changes when nothing else has changed as to the status of my loans. I've read all over the internet that the same thing is happening to countless student loan borrowers servied by XXXX. I'm in the middle of shopping for a home/mortgage and my scores are jumping all over the place The sheer inneptidue and lack of concern for the damage they do to our credit for this nonsene is unconsionable. Student loan borrowers have really suffered though a lot in the past few years and this is just another kick in the face.