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

For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. 

For the last time please take a look at my attachment and follow along : Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as two seperate accounts on credit report : ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? 
2. How can you say you call the company and verified reporting inaccurate information? 
3. How can you close the same account twice at the same time on a credit report? 


Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never have an account or done business with XXXX XXXX XXXXXXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXXXXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. 

Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 
Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a capital one that appears on my credit report in a negative way because they locked my account because I changed my phone number and could no longer login for my payments and didn't take my state ID as verification to unlock my account no payments were late prior to the change of my phone number, I also have a XXXX XXXX on my account that's from 2018 that's not mine. I can't get a loan because of it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information 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  Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I opened up a case with the the Consumer Financial Protections Bureau case # ( XXXX ) Wells Fargo issued a provisional credit to my account on XX/XX/2022 and on XX/XX/2022 Wells Fargo withdrew this provisional credit without providing any warning and or proof of evidence regarding the case in question. I have received no notification that this was to take place or evidence showing why my claim was denied. 

I have requested proof that Wells Fargo was not directly responsible for defrauding me of my money in the 1st place. I was defrauded when Wells Fargo reached out to me asking me if I verified a charge. I answered no to this question, an got a phone call shortly their after and was asked the normal vetting questions and then asked by the Wells Fargo representative to secure my account from an active threat. Over {$3000.00} was stolen out of my account...
Product: Debt collection

I have been noticing these inaccurate accounts reporting on my credit report and I have requesting a proper investigation. They have failed to provide me with anything proving that these accounts are accurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX balance {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed on files attached. 

I am a victim of identity theft and did not make the charges. I ask that all the items be deleted off my credit report. 

I reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks in advance for your time.
Product: Mortgage

I filed a case and the case number is  XXXX . Chase responded but did n't refund.The problem is not solved. But the case was closed.   Please investigate this case.   Please tell me if you need any documents, including tons of emails.
Product: Checking or savings account

I requested an Official Check ( Cashiers Check ) to be sent for my rent payment of {$940.00} on XX/XX/2020. I have called USAA at the very least 20 times over the past six months about this check ( including today ). I have been on hold for hours, requested call back from managers ( not received ), and requested my money returned to my account. After speaking with a supervisor last week, I learned that the check had never been cashed. It took USAA literally six months just to tell me that the check had never been cashed! After speaking with a supervisor last week, I was sent an Return Declaration of Loss form. It was profiled out with " Lost while in my possession/Lost by third party individual or company. '' I sent this form back with a correction that it was not lost by the receiver since it was never received. It was my rent payment that I had to replace! Calling USAA for months with absolutely no help from them whatsoever. I sent that form back to them by fax on XXXX XXXX. Today I called USAA yet again. After speaking with a representative, a supervisor then someone from their " CEO Office '' that takes calls, I asked one simple question. After holding my money for almost seven months, when am I going to get it back? ... .The reply was simply " I don't know - we're looking into this ''.
Product: Debt collection

A company called " XXXX XXXX XXXX '' is reporting on my credit claiming to hold an old debt by CAPITAL ONE BANK. I do not owe this debt, CAPITAL ONE BANK was paid, so I do not know who or why this still shows. I've tried disputing this with proof of payment to all XXXX credit reporting agencies and no one actually calls to verify the information and remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have made numerous attempts to validate a debt reporting under my credentials. Ive disputed over and over again, only to have the reporting agency ( Experian ) to claim verified as accurate. I recently sent evidence of my letter returned from the alleged creditor, due to unknown address. Ive sent Experian the pic of the return envelope, print out of the tracking information and as well as the certified letter receipt. Under the FCRA, any information that is incorrect or is not completely accurate, must be deleted. I have disputed the entire account and its validity. Ive made attempts the contact the alleged creditor to seek evidence of the debt owed. I have been unable to contact the alleged creditor because the address thats on my Experian report is return as unknown. My question is how is Experian able to verify anything, if the address on my report is not correct or unknown. U.S. postal service has verified this isnt a real address. More disturbing is with my prior disputes with Experian, this account has been verified as accurate with as little as 24 hours, on several occasions. I plan to seek litigation against this reporting agency and strongly urge to please conduct a thorough investigation into the practices and compliance to the law that this company routinely breaks.
Product: Credit card

I have a premium rewards credit card with Bank of America and on the app under the benefits information, it reads : " Airline Incidental Statement Credit '' and the it reads " Get up to {$100.00} Airline incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services and airline lounge fees- automatically applied to you card '' then it has a graph of my usage activity, which for me is XXXX dollars used. Therefore, I purchase extra bags with TAP XXXX XXXX XXXX on XX/XX/XXXX for {$91.00} and XX/XX/XXXX for {$91.00}. Therefore, I expected a reimbursement for {$100.00} so when it did not happen, I called the bank and they informed me that it needs to be " Certain Domestic '' airlines and they refused the refund. I think their disclosure is not appropriate and at a minimum it should inform that it is only for certain domestic airlines, as per they policies for refund. I spoke to a supervisor named XXXX and would appreciate your assistance with this.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate accounts that are reporting. I have made a list of the inaccurate accounts that I would like removed. I am in the process of XXXX XXXX XXXX for my family and this is hindering me from doing so. Please review all of my documents and remove all the accounts that are listed.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

On XX/XX/XXXX I consolidated my student loans valued at {$29000.00} with MyFedLoans for the purpose of being able to use the PLSF forgivness available to XXXX. I called in XX/XX/XXXXto my lender at the time about the program. I spoke to them multiple times. They always said, keep making payments, you are 'all good '. In XX/XX/XXXX I figured out that 'it was not all good ' and that NONE of the payments I was making would 'count ' toward the 120 payments needed for forgiveness. I was told by MyFedLoans that I was lied to by my previous lender, and that I would have to give up my low interest rate, consolidate with them, get a higher interest rate and continue making payments on a qualified plan. I was making payments around the {$250.00} range, my payment went down to {$210.00} with MyFedLoans. Even though my old payments were higher, they did not count as part of my 120  payments under PLSF because they were not to MyFedLoans. I have now paid since XX/XX/XXXXand I owe more now than I owed when I first consolidated with you. I chose to leave XXXX because I can not handle the mental stress. Even though I XXXX 10 years and made 12 years of payments, because I was lied to, misled, and mismanaged, I will never be able to get forgiveness under this program. My current number of qualifying payments are gone from my dashboard on MyFedLoans. My qualifying years of service forms from my employer were rejected many times with me having to submit multiple times? Myfedloans said the 'dates looked altered ' 'signature looked altered '. I had to have my XXXX fill them out multiple times every year and they are still not on the dashboard!
Product: Checking or savings account

Wells Fargo bank has lost the trust of the customers and consumers by taking advantage of the customers and consumers and wanted the past employees of Wells Fargo bank to participate in all of these illegal activities and was fired from Wells Fargo because these past bankers told the truth about how Wells Fargo bank illegal activities that was going at Wells Fargo bank. Wells Fargo was sued many of times for discrimination and opening up fake accounts with out the customers and consumers consent and with out the authorization of those consumers and customers permission. And the customers and consumers thought that Wells Fargo bank would help us to become financially stable. And surely this is not the case instead of helping us to become financially stable instead Wells Fargo bank opened up XXXX XXXX accounts with out the authorization and consumers and customers consent. And has failed to make not only myself or the other customers and consumers about all of hidden fees and closing accounts with out the authorization and customers and consumers permission. And taken advantage of all of us who has trusted Wells Fargo bank to help us become financially stable. And has taken advantage of those XXXX and XXXX community. And the reason why I have tried to make Wells Fargo bank aware of these things that are going on with Wells Fargo bank. This bank in which this is supposed to be a professional institution and it's obvious that it's not. And had bragged about cross selling. This is a sorry excuse for a professional institution and taken advantage of the customers and consumers.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block , Inc ). Due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, michigan, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report. 
I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( XXXX, Experian, and XXXX ) : Self Financial/Lead Bank **Account Number** : XXXX **Discrepancy** : The status of this Account on Experian says and paid closed. {$530.00} written off. But on XXXX the status of this account says just Charge off then on XXXX the status of this account says payment after charge off/Collection. Then the status update says XX/XX/year> on Experian. On XXXX the status Updated says XXXX 2024 but on XXXX the status update says XX/XX/year> the balance Update doesnt have a date on Experian and on XXXX XXXX balance update is XX/XX/year> but on XXXX XXXX balance Update is XX/XX/year> and the Address to XXXX XXXX XXXX  is different across all 3 Credit bureaus. 
This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected.

In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue. 
I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ; XX/XX/year> ; 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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX account # XXXX ; balance of {$7900.00} XXXX. XXXX account # XXXX ; balance of {$0.00} XXXX. XXXX XXXX account # XXXX ; balance of {$500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles 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 claimed adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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

I have tried on numerous occasions to communicate with Affirm Inc. regarding their fraudulent account. I have also filed a complaint with the Federal Trade Commission against them. 

I also spoke with Affirm Inc. on XX/XX/XXXX, regarding an account that was opened on XX/XX/XXXX. I went on their website to file a dispute to show that the account was opened at a time when I was XXXX XXXXXXXX. As stated previously, I was XXXX XXXX until XX/XX/XXXX. ( Documents enclosed ) I was told that the account was verified as mine. How could I have opened an account with them at a time when I was XXXX. 

Affirm Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Partial Acct. XXXX I have included my original disputes with this company along with a copy of my XXXX XXXX papers. I respectfully request that this company be investigated for failing to honor my request that the account information be removed from my credit report because it is fraudulent and damaging my credit report.
Product: Payday loan, title loan, or personal loan

Money Lion claims to be a financial services company but they charge members a XXXX monthly fee right now and refuse to cancel my membership and return money that is in my investment account until this loan is paid off. They claim it is in the payoff process what I dont understand is why it takes so long to pay this off. I requested payoff on the XXXX of XX/XX/2019, it was the weekend so they officially started the process on XX/XX/XXXX Tuesday, dont understand why it would not have started on Monday the XXXX. Money left my account to pay off the loan on the XXXX of XXXX today is the XXXX of XXXX and they are telling me that it will not finish the process till the XXXX of XXXX Tuesday. On top of that they pulled XXXX from my bank account on the XXXX to pay the membership fee. I have disputed this with my bank as fraud because on the XXXX I revoked my authorization in an email to them that they completely ignored and never responded to. I have an investment account with them also and they are telling me I can not get the money out of there till after this process, and that process even takes 7-10 business days. Really dont understand how they are allowed to operate in such an unprofessional manner and no care for the members.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX AND DISCOVER BANK XX/XX/XXXX and T XXXX XXXX XX/XX/XXXX these accounts not opened by me. I only have 2 cards with XXXX XXXX and 1 credit card with XXXX XXXX. Ive sent many letters to all 3 credit bureaus and also to XXXX XXXX and Discover Card bank with no resolution. I am still wait to hear back from XXXX XXXX cause ive never had services with them also.
Product: Prepaid card

I submitted a dispute on XX/XX/XXXX to Northlane for numerous transactions from XX/XX/XXXX until rhe date i submitted my affidavit they informed me as well as in my other CFPB complaint it would take XXXX days to investigate and decide but Per regulation E if a company needs more than 10 business days to investigate a dispute they must issue a provisional credit until the disposition of the investigation which this company is past that time frame and has not compensated me in anyway
Product: Vehicle loan or lease

I went to the XXXX  XXXX XXXX  in XXXX, Georgia, onXX/XX/2021, to purchase a XXXX XXXX XXXX. I was informed by the XXXX Finance Manager that my Credit Application was Denied by Wells Fargo Bank in XXXX, Georgia. I told the Finance Manager that was Not Possible, as I have a Joint Bank Account at Wells Fargo! I received the Letter of Denial today Application Number : XXXX. 
This is XXXX Discrimination, Period, Point Blank! 
The " Key Factors '' that Wells Fargo has used to deny me the Loan, are an Outright Pack of ball-faced Lies! 
I actually have an account at XXXX XXXX XXXX with balances that far exceed the amount requested for the Auto Loan, which I could have paid cash for the Truck. 
XXXX The Single Biggest Lie told by Wells Fargo, is the Type of Collateral Provided does not Meet Our Guidelines? I need those Guidelines Spelled Out to me in Writing, as I own My Own Home Outright, and its Valued at {$170000.00}, Yet I do Not have required Collateral required by Wells Fargo? I am also a Totally XXXX US Army Veteran, and Senior Citizen, with Four ( 4 ) different income streams monthly! I will not allow this pack of lies to Stand.
Product: Credit reporting or other personal consumer reports

The unauthorized entries on my consumer report persist despite documented disputes. These fraudulent items resulted from identity theft and were never authorized by me. Your continued reporting of this information violates the Fair Credit Reporting Act and identity theft protection laws.