23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo stole our money and has been refusing to credit it to my account for over 1 week now. 
CREDIT OUR MONEY TO MY ACCOUNT IMMEDIATELY! 
Check was deposited for {$2200.00} on XX/XX/2020 already and the money is still not in my account. WE HAVE A RIGHT TO OUR MONEY! 
THIS WAS MY HUSBANDS CHECK - THE MONEY WAS TAKEN OUT OF HIS ACCOUNT BY WELLS FARGO ON XX/XX/2020, HOWEVER, WELLS FARGO IS STILL REFUSING TO CREDIT MY ACCOUNT WITH THE {$2200.00} XXXX WE HAVE BEEN UNABLE TO PAY RENT DUE TO THAT STEALING OF OUR MONEY AND REFUSING TO CREIDT IT TO MY ACCOUNT. 
NO EXPLANATION HAS BEEN GIVEN BY WELLS FAGRO - WHY?? - Non of the general reason 's the bank, W.F. mentions, applyto us! 
- the deposit was not over {$5000.00} - the check was covered ( W.F. took the money out of my husband 's account the same day XX/XX/2020, but STILL refuses to credit my account - WHERE ARE THEY HOLDING THIS MONEY? OUR MONEY? WHAT ARE THEY DOING WITH IT? THIS IS NOT LEGITIMATE!! 
They took the money out of my husband ' s account on XX/XX/2020 and were supposed to deposit it into my account the same day or latest by XX/XX/2020, we have done this many times. WHY are they holding the money for 2 weeks this time? They have not explicitely explained this still - they mentioned all the reasons that CAN cause a hold, but they have not explained what is the reason in this, our case, and non of the general explanations fit our case! 
WHERE IS OUR MONEY? 
FREE IT RIGHT AWAY AND CREDIT IT TO MY ACCOUNT AS IT SHOULD HAVE BEEN DONE 1 WEEK AGO!!
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. Even though I use Zelle numerous of times and Ive been reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately and Im tired. 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 over and over again. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Please help me in resolving this matter.
Product: Student loan

Navient Solutions ( fka XXXX XXXX XXXX, as the servicing lender for my Direct Loan consolidation, has repeatedly failed to recognize and implement XXXX protections on my account in accordance with 50 USC 3937. Requests and notifications have been made to Navient in XXXX, XXXX, and XXXX and Navient continues to violate the XXXX. I am attaching the most recent complaint to Navient ( XXXX ) and their denial for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus requesting for them to update items that were incorrect on my credit report more than 30 days ago, I have not gotten a response. 

Hard Inquiry XXXX on XXXX Please remove this inquiry as I did not authorize this Account not mine XXXX : Account showing delinquent status XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 -- showing charge off- this account does not belong to me, please remove this incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so XX/XX/XXXX credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( XXXX, XXXX & Experian ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. XXXX said they never got the fax although I had a confirmation page of the fax being successfully submitted. XXXX  made the update 7 days later so they in fact did get the fax. Experian took the full 30 days to make the update although they said they would expedite the request. During phone conversations with Experian the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

TransUnion had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with XXXX  and XXXX  it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.
Product: Credit reporting or other personal consumer reports

i have tried several times to explain why the accounts listed need to be removed ( they were paid by insurance or i paid them off directly ) and nothing was ever done.
Product: Consumer Loan

My wife passed XXXX XXXX, 2015 after 2 years of sickness. Our truck was in her name and I tried to take over the payments. I asked the loan office to put the loan in my name so I could make the payments. They told me they would need 3 weeks to do the paper work but in the mean time I should continue to pay the loan XXXX $ XXXX/month XXXX and the insurance. They faxed the paperwork to me so that I could switch the loan into my name and they told me it would take 3 weeks. I filled out the information and sent it back immediately. Again they told me it would take 3 weeks. I called every week for the last 2 months, checking the status of the paperwork. After weeks of calls, they finally told me they sent the paperwork to me through XXXX. 2 weeks later, I did n't receive the paperwork. Last week, the week of XXXX XXXX. I called and told them I did n't want the truck anymore because they had n't changed the name on the loan. I also requested the payments that I made be returned to my account. After that, they transferred me to someone who told me that I would not receive money back because I made voluntary payments when -- in reality -- they TOLD me to make the payments while they did the paperwork. I informed Ally that since XXXX XXXX I was unable to use the truck because the license plate and the registration was expired. I could n't register the truck where I live now because it was in my wife 's name. I was unable to use the truck to go to work and therefore lost money by continuing to pay the loan and insurance. The lack of immediacy in Ally 's response to my request cost me to get a used car just to get around.
Product: Consumer Loan

I called The CBE group at XXXX XXXX XXXX XXXX in XXXX ia XXXX about a debt there collecting from XXXX I ask them if I would settle up would they take it off my credit they said no ... I ask why they said they could n't ... oh yes they can I no they can I want to file a oplaint against them
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$34000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/28 Charles Schwab Bank allowed ( without my authorization ) a transfer from my checking account to a XXXX Checking account in the amount of {$1400.00}. On XX/XX/XXXX i found out this had happened i called them and told them i never requested this transfer and that i need my money put back into my account to pay bills. They denied my request and told me it would be sent to the fraud dept.
Product: Credit reporting

In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and XXXX XXXX XXXX which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the first delinquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The seven years has now past, and I have disputed the information with all XXXX credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the first delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Please Help Me!! 

Equifax XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : 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

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
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 consumer safety
Product: Credit reporting or other personal consumer reports

My account with CAP ONE AUTO was never late! I have had exceptional payment history with CAP ONE AUTO and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


CAP ONE AUTO Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and all my personal information was exposed in a data breach more than once. I have something on my credit report XXXX XXXX that I know for sure is not mines but these people continue to harass me about it. I sent all necessary paperwork to prove to them Im a victim of identity theft. But the issue still wasnt resolved now its on my credit report. May someone please help me and let know what do I have to do.
Product: Credit reporting or other personal consumer reports

Ive been through XXXX XXXX, and while I was being XXXX, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my situation.
Product: Credit card or prepaid card

On XX/XX/2019, I noticed fraudulent activity on my Capital One Platinum Card. Some unknown person or persons had apparently used my card to make a large, unauthorized purchase of {$120.00} on XXXX. I immediately called the company and explained the situation. They told me that my card would be canceled and a new one immediately issued. 

As of XX/XX/XXXX, I noted that, not only had my new card not been issued, the company was charging me late fees on the old card. I called them up at about XXXX XXXX on XX/XX/XXXX and spoke with a rep who gave her name as XXXX. She told me : 1 ) I still had to keep making regular payments on a card that had been cancelled due to fraudulent activity.

2 ) They could not say when the investigation into the fraudulent activity would be concluded, if ever.

3 ) They would not issue a new card, since my old card was allegedly " past due '' when the fraud occurred and the card was cancelled. 

This seems to me like a clear-cut case of dishonest and underhanded business and a breach of Capital One 's obligations toward its customers under the Uniform Commercial Code and other relevant statutes. I implore your agency to intervene. I also suggest you investigate whether the fraudulent activity on the card was, in fact, the criminal machinations of strangers and not a shady tactic used by the company to harass its customers. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXXXXXX XXXX # XXXX ) Has violated my rights 2- ( XXXX XXXX  XXXX XXXXACCOUNT # XXXX ) Has violated my rights 3- ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 6- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXX/Account # XXXX ) Has violated my rights 8- ( XXXX, XXXX./Account # XXXX ) Has violated my rights 9- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights