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

I tried to dispute the status of a collection account online via my Experian account, however Experian is making sure to block access to online disputes for no reason. I tried to call Experian to dispute over the phone, but it's impossible to get a hold of a representative. 
I am no longer disputing the XXXX XXXX account, please remove the dispute comments from this account. See attached letter for details and account information.
Product: Mortgage

I was informed under the MIDS program in XXXX, VA, that the mortgage loan granted by Navy Federal Credit Union was invalid due to the restrictions on my deed. XXXX took the loan off the books and did not notify me of this action. In trying to do a modification on my XXXX note, it was discovered that the lien was not removed. I made a request that because of XXXX illnesses it would be extremely helpful if they would release the lien. Especially since it was invalid. I got no response so I submitted a QWR request. Again no response, so I wrote a letter to the head of mortgage loans, a XXXX XXXX. After two weeks I submitted a second letter and still no response. Since this time, one of the owners health has turned grave and it is of the most importance that we settle this as soon as possible.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters  violating rights and etc. I have tried to reach out to the main company as well as the bureaus.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding fraudulent items associated with my account. Despite my previous attempts to address this issue, it regrettably persists. 

I initially reported this matter and despite your team 's efforts, the fraudulent items remain unresolved. This situation is causing me significant distress, and the lack of a resolution is impacting my trust in your services. 

I kindly request the following actions be taken urgently : Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. 

Provide me with a detailed update on the ongoing investigation into the origins and nature of the fraudulent activities, including any new findings since my initial complaint. 

Enhance communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to avoid any future unauthorized access or activities. 

I understand the complexities involved in addressing such matters, but I emphasize the importance of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My payments for this account have always been timely, and I've never missed a due date. I am unclear about the late payment remarks reported on my accounts. Under 15 USC 1666b, billing errors should be addressed.
Product: Checking or savings account

I got an alert from my identity theft protection service, on XX/XX/XXXX, however I didnt read it till XX/XX/XXXX. The alert stated that there had been an account takeover on my Wells Fargo account when I read the alert it said that ownership of the account had changed. When I called WellsFargo they acted like this didnt happen. So I waited and waited for XXXX bank statement, it was finally out on XX/XX/XXXX. And I went through my transactions I found over {$600.00} in unauthorized transactions. So I called Wells Fargo claims department because they wouldnt allow me to dispute any transactions online. The lady that answers the phone seemed delighted to assist me. So she begins by asking me the dates and amounts of each charge that was fraudulent and I did so. After around 20 minutes on the phone with this lady doing these claims on each charge finally the call is over and she said that all the claims have been filed, and I will receive a resolution within 10 days. After the call was over, I go to track my claims to check to see and make sure that everything got listed. Well she didnt list all the charges and she also removed all the claims, that I disputed, so its as if she intentionally tried to have me think that the charges were going to be disputed when they wasnt. 


Also, XXXX going to attach a copy of my customized summary of a visit whenever I originally open this account which was supposed to be a new account I didnt have a Wells Fargo XXXX As I went through my paperwork, I noticed that because this summary of my visit states that I didnt open a new account. it just clearly labels it as she, edited the resident for the individual, edited the identification, edited the employment, Edited the contact, edited email maintenance, edited phone numbers, and check order options. so Wells Fargo knew I had a account already that I didnt know about and to cover it up. They just updated the account and made me think that I was opening a new one. 

So Wells Fargo employee intentionally committed fraud and didnt inform me of an account that we already existed and when I looked on my debit card, it states that I had been a member of Wells Fargo since XXXX. And I didnt become a member of Wells Fargo till XX/XX/XXXX of XXXX. 


Also, Wells Fargo has taken away my privileges of having a debit card to my account because they said that it was for my protection, and to keep the bank from any future loss of funds. I dont think think that this is fare for me because im the victim of identity theft, now bank fraud, and someone stole money out of my account and wellsfargo doesnt want to take me seriously. 


And the customize summary of my visit that Im attaching to this report, XXXX XXXX in effort of trying to cover up what they done. They deleted the copy that was in my online account with wellsfargo. Wells Fargo has committed so much fraud in this particular incident that I dont know what to do and they refuse to answer my questions or acknowledge if this even happened.
Product: Payday loan

XXXX on XXXX, WA XXXX. I took out a payday loan and ran into financial trouble with unexpected medical bills, on top of rent and my car needing new parts. I tried to set up a payment plan with the company. Anything really instead of paying the {$570.00} all at once which would overdraft me and cause me to be unable to eat XXXX drive, or pay for rent. I told them not to charge my bank account because there was no money in there but they have n't seem to have got the message in the past month. I gave my bank a stop payment order but each time the company Checkmate tries to take out the {$570.00} it costs me {$35.00}. I just need them to stop trying to charge my bank until I can get back on my feet again, or until they can work with me in order to come up with a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Around the beginning of XX/XX/2022 ( I do not recall the exact day ), I decided taht I wanted to request a credit limit increase for my U.S. Bank Cash + credit card and my U.S. Bank Flex Perks Rewards credit card. I logged in to my U.S. Bank account through my browser and went through the steps to verify my income, rent, and other information and then submitted my requests. Nowhere in this process did it ever tell me that U.S. Bank would do a hard credit inquiry on me for this process. I am very careful to pay attention to this whenever dealing with anything related to my credit. I would not have consented to a hard credit inquiry for this process had I known that it would be a possibility. 

I later got letters in the mail from U.S. Bank, dated XXXX XX/XX/2022, for each of the two credit card accounts that I applied for the increase on. The letters both explained that they could not process a credit limit increase because there was a freeze on my XXXX credit report and said to unfreeze the report then call them back at XXXX. I called them back at that number on XX/XX/2022 and spoke to a representative who told me that they did not know if a credit limit increase request entailed a hard inquiry or a soft inquiry and that there was no way of knowing this. I told him that it is required by law to inform me when they have the possibility to do a hard inquiry on my credit history. He then transferred me to a supervisor. The supervisor stated that the online credit limit increase request process for U.S. Bank does inform users that there is the possibility of a hard credit inquiry but she could not provide any proof of this supposed consent notice. I was then transferred to the underwriting department where I asked why they had to do a hard inquiry on me for a credit limit increase. He could not provide any reasonable explanation. He refused to process the request for a credit limit increase with just a soft pull of my credit report. 

U.S. Bank is fraudulently making hard credit pull requests on users whom have not been informed of this possibility beforehand. This is deceptive and illegal according to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2020, XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XX/XX/2020 they are reporting that XXXX payment was late on XXXX different student loans I have with them, the loans was in forbearance during that time. I have reach out to XXXX on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Chase Card Services regarding interest rate changes to my credit card account ending XXXX. The purpose of the call was to determine if the initial interest rate was a Fixed Interest Rate or Variable Interest Rate, request a copy of the XX/XX/XXXX Credit card agreement, request a breakdown of the APR interest rate changes and request copies of the Interest Rate Change Disclosure Notifications ( Change in Terms ). The Credit Card Agreement indicates the initial interest rate was 19.99 % Variable Rate. Chase advised there was an interest rate change of 17.99 % to 18.49 % in XX/XX/XXXX and a rate change of 19.24 % in XX/XX/XXXX. However, the Chase representative could not provide the dates of the interest changes from XX/XX/XXXX to XX/XX/XXXX indicating the information was not available. Please be advised Chase did not to send a 45-day Notice advising of any of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX. Although the CARD Act Notices were never received, Chase insists the notices were sent accordingly. A letter was received from Chase dated XX/XX/XXXX stating the Change in Terms notice was sent in XX/XX/XXXX ( no specific date specified ) advising of a rate change from 17.99 % to 19.24 % and that a response was required by XX/XX/XXXX. A copy of this Change in Terms notification was not provided by Chase for review. In addition, this statement is inaccurate in that the interest rate change of 17.99 % to 18.49 % occurred in XX/XX/XXXX. The rate changes from 18.49 % to 19.24 % occurred AFTER XX/XX/XXXX. Unfortunately, this detailed information was not provided by the card issuer ( Chase ) as requested. I contacted Chase Card Services again on XX/XX/XXXX and requested copies of the Change of Interest Rate Disclosures ( Change in Terms ). Again, the disclosures and initial information requested was not received from Chase. However, a letter was received dated XX/XX/XXXX stating the same information as the previous letter dated XX/XX/XXXX. As of this date, I have not received request a copy of the XX/XX/XXXX Credit card agreement, a breakdown of the APR interest rate changes and the requested copies of the Interest Rate Change Disclosure Notifications ( Change in Terms ). In addition, I did not receive a Change in Terms Disclosure for the XX/XX/XXXX interest rate change. This information was identified on the billing statement. Chase in violation of the CARD Act of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

IAM XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX dob XXXX ss # XXXX todays date XX/XX/2024 I have looked at my credit report and I have noticed fraudulent auto loan ACCOUNT NAME XXXX XXXX  XXXX XXXX ACCOUNT # : XXXX i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 USC 1692e false and misleading representation DELETE THIS FRAUD ACCOUNT THANK YOU
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 the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite my frequent use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle have failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings suggest that Zelle has not only failed 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 deeply concerning and raises serious questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Filed a dispute against XXXX bank on my XXXX credit report I have no knowledge of this they keep saying it is proven dont give me how reasons why XX/XX/XXXX Filed a dispute with XXXX about XXXX XXXX showing up on my credit report I have no knowledge of this I say it was proven that its mine and gives me no reason why but I have no idea what this says they will not remove it XX/XX/XXXX XXXX once again will not remove XXXX off my credit report I do not know who they are it is not mine or knowledge they will not remove it they keep telling me that they they found that it is mine but no other information XX/XX/XXXX Filed dispute with XXXX About XXXX XXXX XXXX my account is paid off but there was a repo on there that I have no idea about the car was never re-Poed I actually paid the car off they will not fix it or remove it from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX XXXX XXXX The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIE from my credit report. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This is a XXXX XXXX Credit Card Debt from XXXX. 
I have been trying to settle this debt for over 1 year with XXXX ( who owns this debt now ), as well as with Winn Law Group ( their lawyer, Mr. XXXX ) - however, XXXX says they can not receive payments, because Winn Law Group is handling this for them. I was told by XXXX to contact Mr. XXXX, but this is imposible, since he refuses to speak to clients. I have called more than 50 times, I have left more than 40 voice messages on his answering machine in XXXX as well as XXXX. 
The phones are being answered by different receptionists - I have records of all the dates and times and names when I called. 
I have asked for call backs, but Mr. XXXX has never responded to my many attempts in over 1 year. I have made many good faith attempts to settle this debt, but Winn Law Group,  Mr. XXXX, are unwilling to talk to clients, to respond to emails or priority mail letters, he prefers threatening people to sue them even when they are willing to negotiate and pay.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX 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 the months that I was late 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.
Product: Checking or savings account

Have been without my paycheck that gets direct deposited for 3 days and customer service tells me I should have it everyday thats passed and nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting FED LOAN SERVICES to remove all reporting of any accounts as they have failed to provide the credit bureaus 100% accurate and complete information of the TERMS and balances correctly on the loans each month. They are required to provide as the DATA FURNISHER 100% accurate information to the credit bureaus. I have disputed there accounts on my credit reports because they have been LAZY in providing 100% accurate and complete information under my name. Therefore I am requesting immediate removal of any accounts under my name to any of the major credit bureaus as these are major violations failing to provide 100% accurate and complete information to the credit bureaus.