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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In 15 US Code 1681A section 2 states that transactions are not included on Consumer Reports and a late payment is shown on my report. I have not given anyone permission to include any of my information on my report. I have also reached out to XXXX XXXX to ask for proof of a late payment and still have not been given any proof.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Also Known As : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Wells Fargo had a problem which caused their system to go down. First I was told it was a system update this morning and that it would be fixed in two hours. I told the representative I had no money and that I was stranded. She assured me it would be fixed shortly. When I called back two hours later I was told the system shut down and they had no idea when I would have access to my money. The representatives showed no empathy and basically acted like that didn't care. I understand the system being down is not there fault. However there is no excuse for XXXX XXXX service and rude representatives. They have inconvenienced millions of people yet they have no compassion for those they serve. XXXX XXXX was the only person who showed that he cared and he did everything he could to help me. The rest were rude
Product: Credit reporting or other personal consumer reports

To my complete surprise, I found errors on my credit report this evening, and I cant figure out how they got there. I check my report often, but this time, there were these sudden discrepancies. I thought maybe it was a browser issue, so I refreshed it, but the inaccurate accounts stayed. I'm asking for a detailed review of the documents Ive provided so I dont have to face this problem in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX added the incorrect balance to my credit report after verifying the correct balance. I spoke with XXXX XXXX who misrepresented himself as a supervisor, and was unable to help me. I then spoke to XXXX XXXX ( supervisor of customer advocacy ) who stated there's nothing he could do about the balance until they verify it. This is extremely frustrating because I sent a copy of the discharge letter. The customer service I received from both XXXX and XXXX was very upsetting. I definitely regret that XXXX XXXX transferred my loans. Now my credit report is suffering due to this mistake. According to XXXX, it could be incorrectly reporting for 90 days or longer!!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint about some accounts that are not accurate on my consumer report. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also according to the fair credit reporting act, any verified account must have proof of verification sent to the consumer. Experian has failed to provide the proof of verificaiton and mark the accounts as verified. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurate nor has proof of verification has been sent to me. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C 1681 section 602 A : states I have the right to privacy. 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.

According to 15 USC 1681i 5 this is what is suppose to happen : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 do not recognize the negative accounts that appear on my credit report
Product: Credit card or prepaid card

Went to XXXX XXXX at XXXX to get tickets, under the purchase > price > passengers screen I got the following offer : Get a {$200.00} statement credit after first purchase and earn XXXX Rapid Rewards points. 
XXXX XXXX now > XXXX XXXX Includes taxes and fees {$640.00} Show fare breakdown By tapping 'Purchase ', you accept the below conditions Purchase Contacted them on XX/XX/XXXX via secure message about this offer. On XX/XX/XXXX we were told Hello XXXX, Thank you for contacting us about the new cardmember bonus offer on your XXXX XXXX XXXX XXXX credit card ending in XXXX. It is my pleasure to assist you with your inquiry. XXXX, we reviewed your account and confirmed your applied for the offer to earn XXXX bonus points and a XXXX XXXX XXXX XXXX after you spend {$3000.00} on purchases in the first 3 months from account opening. We are unable to honor your request for the offer to earn a {$200.00} statement. The available credit card offers can vary and change at any time. We strive to ensure that our offers are clear and once you are approved for the card, you would receive the specific offer terms that are disclosed when you applied. We can not guarantee the specific offer you are requesting will be available when you apply for the card. " Purchases '' do not include balance transfers, cash advances, traveler 's checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We're truly sorry for any dissatisfaction this matter has caused. 

We ended up closing the account because they would not fix their error. We would have never bought tickets with them at that rate, and would have charged it in our 0 % XXXX card if not for this fake offer.
Product: Credit reporting or other personal consumer reports

Based on, XXXX XXXX XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed iMMEDIATELY.
Product: Credit reporting

On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.
Product: Credit card or prepaid card

I received an email on XX/XX/2021 from Capital One stating " Dont miss this opportunity to pay down a higher-rate balance with no transfer fee. When you transfer a higher-rate balance today you could save on interest with 13.99 % variable APR for 36 months. After the offer period, well apply your purchase rate of 24.49 % variable APR to any remaining balance of your transfer ( s ). Just be sure to transfer a balance by XX/XX/2021. Then think of how much you could save on interest. '' I clicked the email saying take advantage of this offer, as this deal could save me money on my debt so I wanted to take advantage, in my offers in my capital one account it states " Transfer a balance at the same rate as your purchases, currently 24.49 % variable, without paying a transfer fee. '' This is the only offer on my account, so I call customer support so they can fix it and give me the offer I was given only to be passed around to three different departments and the final answer is the only offer they can give me is the false one listed on my account for the 24.49 %. This was a huge inconvenience as it took a very long time on the phone and false advertising for debt solutions that I wanted to use. They had no interest in helping me or honoring their offer that they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : Please validate the alleged debt referenced by the following account number : XXXX.Your company stated that a total balance was due in the amount of {$200.00}. 

If Possible Financial still claims this debt is valid, correct, and accurate, please provide the following specific verification of records : 1. A copy of original contract with a signed application dated with my signature.

2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.

3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of $ amount is owed to Company Name.

5. A full ledger of accounting documentation.

6. Specific services and codes ( please include service codes ).

7. Please provide your Your State business license and articles of incorporation to do business in my state.

I hereby give Possible Financial 15 business days to produce verification described herein this notice. If your company fails to produce the aforementioned documentation within the measure of this time outline above, then it will be assumed that the alleged debt is invalid and I am accountable for no more than XXXX dollars in regards to this alleged debt. Also please note, I will not accept anything less than a sworn affidavit under penalty of perjury by a custodian of record, employer by the allege creditor, affirming that the said alleged debt exceeds more than XXXX dollars. Please refrain from contacting me by phone or mail concerning this alleged debt until the aforementioned validation is satisfied. Failure to do so may result in me initiating a legal action and/or a filing an administrative complaint with the appropriated agencies including the Federal Trade Commission and the Consumer Protection Financial Bureau for further investigation. Thank you very much in advance for your prompt response. 

Respectfully, XXXX XXXX
Product: Mortgage

I have PMI applied to mortgage originating in XXXX XXXX. With payments and appreciation, I believe I would be eligible to drop PMI at this time. I have talked to the company by phone and email MANY times since XXXX of XXXX, through last month XX/XX/XXXX. They explained that the next step is to fill out a form to request an appraisal. They can not email the form to me or point me to a place to download the form online- they can ONLY mail it to me. I have re-requested this form get sent to me over eight times. It has never been sent. I am paying for insurance that I no longer need to pay and I can not get to the next step due to unresponsiveness or stonewalling on the part of my Mortgage provider. PLEASE HELP!!!!
Product: Mortgage

My mortgage bank has changed my point of contact multiple times. I am unable to reach them on the phone or email. I have sent multiple emails to the last 3 point of contact they have changed me within this year and none have responded to my emails. I called and spoke to a customer representative Ms. XXXX XXXX, I explained to her I couldnt reach my point of contact XXXX XXXX and had send sent her an email requesting a FHA COVID-19 Loss Mitigation Options ( COVID-19 Recovery Modification ) for owner occupied house ; she said XXXX XXXX is no longer with Shellpoint Mortgage and my new point of contact was XXXX XXXX, she said Ms. XXXX will call me within 3 days but I have not received any calls or response to my email letter from her. I also left a voicemail to Ms XXXX. I found out a week later that the email Ms XXXX XXXX gave me for Ms. XXXX is wrong and I sent an email to new email for Ms. XXXX. 
I am confused and very afraid because Shellpoint Mortgage has sent me multiple letters saying I owe and may face foreclosure. Also on XX/XX/2021 an agent representing Shellpoint Mortgage came to take photos from my house, he told personal information to my friend that was outside, he told her my name and told her he was from Mortgage XXXX and that it could be a foreclosure of my home. Before XXXX pandemic I never took forbearance or made any loan modification. 

My forbearance ended on XX/XX/2021 and that day I sent email to my then point of contact at XXXX Mortgage requesting FHA COVID-19 Loss Mitigation Options ( COVID-19 Recovery Modification ) for owner occupied house. In that email that I sent to multiple point of contacts, I also attached my offer letter for a new job Im starting on XX/XX/2021. 

I read online that if I can not reach my Mortgage Bank and start modification within 30 days after end of forbearance that the mortgage bank can start foreclosure proceedings on me even during Covid-19 pandemic. I have being deeply affected by Covid-19 and lost many loved ones, I have nowhere to go if my home is foreclosed. I have tried to contact my mortgage bank through multiple means and unable to reach the point of contact for my case who can explain to me the process and help me with FHA COVID-19 Recovery Modification after forbearance with current payment moved to end of loan claim.

I can attached offer letter I sent Shellpoint Mortgage showing my reduced income, Photos of Shellpoint mortgage agent who spoke with my friend outside my house. I can also attach letter I sent to multiple Shellpoint point of contacts where I request FHA COVID-19 Recovery Modification after forbearance.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report after your re-investigation and notice that the XXXX XXXX XXXX  account remains inaccurate. This has had a negative impact or my credit history for years, which is hurting my ability to obtain credit. The following account has been re-aged by repeatedly reporting as charged of for several months in a row : XXXX XXXX XXXX  This is deceptive and misleading. This account is inaccurate based on the payment history. This violates the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5A. I request that, based on these findings, that these accounts be promptly and permanently removed from my consumer credit report.
Product: Money transfer, virtual currency, or money service

I opened an account with Paypal, to be able to accept payments from XXXX. After I was verified, I linked my bank account, which was verified as well. A couple of the transactions went through to my account, but the last purchase that I was paid for, PayPal decided to hold funds hostage. In addition to that, one of the buyers wanted to return merchandise purchased on XXXX, and a full amount of that transaction was frozen by XXXX, which took my positive {$110.00} balance to a negative {$190.00}. Even so PayPal was spun off from XXXX, they still work together to steal money from customers on regular basis. Once the money is frozen, customer has no ability to make a refund, unless personal funds are added to the account to double the amount of merchandise sold. If XXXX refunds the client, then removes the freeze to get their money back, they keep the final value fees and PayPal keeps the transaction fees in full. 
In the last two days, I have tried to transfer funds from XXXX XXXX, to be able to make a refund on my own, to avoid the fees that both companies would attempt to steal, but PayPal claims that my bank rejected the transfer. I called XXXXXXXX XXXX three times, even as a conference call with PayPal, when they stated that they have no record of rejection or even any attempt of the transfer. This is exactly what happened to my husband, when PayPal was claiming that XXXX rejected his transfer, but XXXX had no record of any attempts from PayPal. Both companies commit fraud on a daily basis, stealing funds from customers to improve their margins. Just because no one has started a class action suit against them does not mean that they should be allowed to do anything they want, and transfer funds only when they see it fit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute another error that has been made by Experian as a result of them supposedly investigating matters on my credit report. Not only is it a problem that I feel they have not properly investigated the validity of the negative items on my credit report but they have now begun to delete part of my positive credit history. 

Upon reviewing my credit report dated XX/XX/XXXX I noticed that positive information had been deleted from my credit history. The deleted information pertains to a XXXX XXXX credit card account with a {$40000.00} credit limit that has been open since XX/XX/XXXX and which has no derogatory remarks or late payments. 

This information was previously reported by Experian. This deletion is truly a grave mistake, as the account was in good standing with no negative marks. I request that you assist me in insuring that Experian investigates this matter and reinstate the deleted positive information to my credit report. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report, and the removal of positive information has affected my creditworthiness. 

I have enclosed screenshots of portions of my credit report in which it clearly reflects that the information was deleted. I would like for the information to be thoroughly investigated and I would like to be provided with a copy of the results. Please assist me in resolving this matter as soon as possible because it is affecting my credit report and the percentages on credit which I am offered. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling 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 impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate zelle has not only neglected to protect consumers but also has 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.