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

$ XXXX wire transfer stuck after Citi account closure Need urgent resolution. 

On XX/XX/XXXX, I wired $ XXXX from my XXXX account to my friends Citibank account to help with an urgent situation. We signed an unofficial agreement, and everything seemed fine. Fortunately, my friend didn't need the money, so we tried to return it to my XXXX account. Thats when the problems began. 

Key events : - On XX/XX/XXXX, Citi sent a letter confirming my friends account would be closed without explanation. 
- On XX/XX/XXXX, my friend opened an exec team request to return the remaining balance. 
- On XX/XX/XXXX, Citi sent a check but it was missing the $ XXXX. 
- On XX/XX/XXXX, per Citi directions a wire transfer recall request was submitted from XXXX to Citi. After that Citi verified that the owner of the account ( my friend ) was willing to return the money. 
- However, after all the due diligence Citi is still not returning the funds. 

Despite multiple follow-ups with both banks Citi is still holding the funds without any details on the process, timelines, and next steps. The only thing that Citi suggested was to request another wire transfer followed by the hold harmless letter. XXXX does not provide such letters as it assumes removing any responsibility from the other party. 

Happy to provide wire transfer confirmation, account statement, and other details upon request.
Product: Debt collection

I canceled XXXX phone service 2-3 threes ago after moving due to a different job and then had absolutely no cellular or data coverage. Since I have a XXXX XXXX I need to have a working phone. XXXX told me via telephone that I could close the account, pay {$100.00} and return the phone and that would be all I would owe. Now three years later a credit collection for {$610.00} showed up on my credit. I have never received a call or letter in the last three years asking or telling me about money owed. 
I contested it unsuccessfully thru XXXX. 
Three years ago I did the right thing contacting XXXX multiple times to figure out how to get reliable service. It was XXXX determination that they could not make my phone work. It was their decision to have me pay {$100.00} and return the phone. Both of which I did. 

It lists Recievables Performance XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX, XXXX. Shows a partial account number of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card company named DISCOVER CARD FOR STUDENTS WITH LITTLE TO NO HISTORY OF CREDIT. as of XX/XX/2021. I spoke to 2 people which one was a manager who were so rude and inaccurately getting my credit report information and DECLINING MY APPLICATION FOR NO REASON BECAUSE I DON'T HAVE NO DEGRATORY MARKS. AS I STATED AND AS ON MY XX/XX/XXXXACCOUNT. WHICH SHOWS XXXX $ FOR EVERY STATUS. I HAVE NO CREDIT HISTORY AND FOR THIS COMPANY TO SHOW LACK OF CONCERN FOR CUSTOMERS IS VERY RIDICULOUS. AND STATING THEY DON'T RECONSIDER A PERSON APPLICATION IS VERY DISTURBING BECAUSE THAT IS THE WHOLE POINT OF RECONSIDERING A PERSON APPLICATION NOT DISCRIMINATING AGAINST THEM FOR NO REASON
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified procedural verification letter tracking # XXXX delivered and signed by XXXX XXXX XXXX XXXX  from USPS on XX/XX/19 and has been 30 days since they received the letter. I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification. However, I have not received any response at all from Equifax and I have not received any information from anyone to verify these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Product: Credit card

This is the third time they have failed to process my payment in a timely manner. Payment was transmitted electronically from my bank nearly two weeks before the due date. This has went beyond aggravating. Im tired of this. I have sent them a message twice concerning this instance. No reply whatsoever. A copy of my banks transmission confirmation has already been submitted to Synchrony.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ** XX/XX/year> **Subject : ** Formal Dispute Regarding Credit Report Inaccuracies, Violations, and Request for Remedies I am writing to formally dispute several inaccuracies and violations in my credit report as maintained by your agency. These errors have caused significant financial harm and distress. Below, XXXX detail the specific discrepancies, legal violations, and supporting evidence. Attached exhibits are provided for your review. 

-- - # # # **Disputed Items** # # # # 1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings.

- **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ). 
- **Details : ** - Incorrect names reported : " XXXX XXXXXXXX, '' variations of " XXXX XXXX XXXX '' - Incorrect addresses listed : [ Address variations as identified in the reports ]. 
- **Exhibit : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX*Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported.

- **Violation : ** FCRA 15 USC 1681s-2. 
- **Details : ** - XXXX  Account ( # XXXX ) : Multiple late payments misreported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX late payments misrepresented. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Late payment inaccurately recorded. 
- **Exhibit : ** XXXX XXXX XXXX XXXX XXXX 3. **Fraudulent Accounts** - **Issue : ** Accounts opened fraudulently without my consent.

- **Violation : ** FCRA 15 USC 1681q. 
- **Details : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Fraudulent account activity. 
XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized account and reporting errors. 
- **Exhibit : ** XXXX XXXX XXXX XXXX XXXX XXXX. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without consent.

- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX ( Date : XX/XX/year> ). 
XXXX XXXX XXXX ( Date : XX/XX/year> ). 
- XXXX XXXX ( Date : XX/XX/year> ). 
- **Exhibit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods. 
- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ). 
- **Details : ** - Account re-aged : XXXX XXXX XXXX XXXX XXXX XXXX 
- **Exhibit : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and it shows I have two late payments showing on my credit report from Navient. I am a XXXX XXXX at XXXX XXXX University. I had already received a email that my student loan payment was extended til XX/XX/XXXX back on XX/XX/XXXX, however, I have returned back to school as of XX/XX/XXXX. I called Navient this morning to inform them of the error on my report and the lady said I don't start paying anything back until XX/XX/XXXX, which is the year I graduate. So if they are not reporting it and it is showing under their name on my credit report, then why is it there to say I have a late payment in red? I received a letter in XXXX that it was going back to Navient from the U.S. Department of Education. I have all the documents that was sent to me. I just spoke with XXXX as well and they gave me a breakdown and I am on a deferment until XX/XX/XXXX and then it will start over until I am done with school in XXXX. I have provided all my documents.
Product: Debt collection

I hope this letter finds you well. I am writing to address a critical issue regarding fraudulent accounts on my credit report, specifically related to the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX I recently discovered these accounts, which resulted from identity theft, making me a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 

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
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX BALANCE {$0.00} XXXX XXXX BALANCE {$8600.00} XXXX Original Creditor : XXXX XXXX XXXX BALANCE {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I mailed a check at the Post Office in XXXX on XX/XX/XXXX. I went inside the Post Office to mail it. The check was stolen from the Post Office and washed by a Thief. I have filed a Police Report with the Postal Service. 

The check was " washed '' from {$30.00} to {$3000.00} and cashed on XX/XX/XXXX right before the XXXX XXXX XXXX. I checked my account the day after XXXX XXXX and noticed the fraud check. I immediately called the bank to report it. 

I never heard anything back after a week so I called them back. They said it was coded as a 'check dispute ' and not as a 'check fraud ' and they would be in touch. I never heard back. 

I called them again and they said they would send me an affidavit. They suggested that I go to the branch and have their Banker assist me with completing it, having it notarized and faxed over to them. I did that on XX/XX/XXXX. 

I never heard back so I called them again. They said they received the affidavit but they needed more supplemental information. I gathered it all and faxed it over to them 3 different times. I never heard back. 

So I would call back each week and inquire about the status and each time I was given little bits of information. If I did not call them I would not have known that the faxes were not received/ not readable. 

Each time I called I asked for an InvestigatoXXXX to call me and update me since the Customer Service reps only had limited information. The last 2 times I've called I filed a customer complaint and was told that someone from the Executive Team would call me back. 

I called them back again on Friday XX/XX/XXXX and asked why I have not received a phone call. They said they tried to call me and could not reach me. That is a lie, no one has every called. 

I've called them for 8 weeks in a row and have never gotten a phone call back and am always told I will receive a call in XXXX hours. I never have. 

I did receive a letter from them saying that they are requesting the money back from the Thief 's bank and that will take XXXX days. 

I am in need of my funds right away as I have an XXXX parent that I support and can not go without the funds much longer. The bank ( s ) made an error in cashing the check. It looked horribly fraudulent and sloppy and had my account number from the utility company in the memo line. I have never written out a check for that amount to random person in the 30 years I've used this bank. 

Please offer any assistance you can since the bank has ignored me for 8 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX data breach. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and Experian has refused to remove the account.
Product: Money transfer, virtual currency, or money service

Zelles handling of transaction disputes raises serious concerns, particularly in light of the recent CFPB lawsuit highlighting significant deficiencies in consumer protection. As a frequent user, I have encountered discrepancies that were not adequately investigated by either my financial institution or Zelle, with both parties asserting that recovering lost funds was impossible and tracking transactions was unfeasible. The CFPBs findings indicate a systemic failure to safeguard users, allowing repeat offenders to exploit the platform and leaving consumers vulnerable to fraud. This lack of accountability and transparency is unacceptable and undermines trust in the platforms security. It is imperative that Zelle implements stronger dispute resolution processes, enhances fraud prevention measures, and prioritizes consumer protection to restore confidence in its services.
Product: Debt collection

The settle amount on the judgement should be the only amount I owe. All the other fees they took as a loss, when we went to eviction court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted all three major credit bureaus today XX/XX/XXXX, XXXX XXXX XXXX reported the delinquency in XXXX of XXXX, according to Fair debt credit reporting that negative information should be removed 7 years from first report date, I have requested all three to remove and all they do is update. Moreover experian has a XXXX report date ( totally incorrect, fraudulently ) when the other two credit bureaus have XX/XX/XXXX first report date. It has been more than 7 years since first report date, and also moved to a collection agency as well, XXXX XXXX XXXX should legally be removed ...
Product: Credit reporting or other personal consumer reports

I had paid off a collection with an onld account, XXXX XXXX in XXXX. Called a Pay To Delete. The score calculator showed that if I paid this collection off it would increase my credit score more that 20 points. When in face what has happened with Equifax SO FAR, my credit score has be decreased by around 60 POINTS. 
It was an old collection and I feel like I would not have done the pay to delete if I know it was going to so significantly decrease my credit score. 

This should not have happened.I am hoping they correct it immediately. 

Thank you
Product: Bank account or service

On XX/XX/2016 I went to Bank of America to open new checking and saving account. I had an offer with me ( Internet offer printout ) which says, " Get {$300.00} once you open a new checking account and set up and receive direct deposit totaling {$4000.00} in the first 90 days. '' After reaching the branch I met with a banking personnel ( XXXX ), I showed this coupon to him which he said the bank will honor this coupon he also took the buy in from his supervisor ( XXXX ). After this I opened the bank account and set up the direct deposit which totaled beyond {$4000.00}. 
After this I visited the bank 2-3 times and the same guy told me that I need to wait for 90 days. After 90 days when I again visited the bank ( date : XX/XX/2016 ) XXXX called his marketing team and told me that it will take another 60 days but I was not convinced as I thought he is just buying some time but when I argued then he and his manager told me that they will open a case in their system and I will get my {$300.00} promotion in 30 days. The case ID is XXXX. 
After 3-4 days I got another phone from BOA case department and they told me that they will not be honoring that coupon as that was an internet generic offer. I tired explaining them that I already said the same thing in the initial time of opening the account and that time your guys promised me that they will honor it and after 4 months you are declining it. She kept on apologizing as their banking officials gave false promises but refused to honor this and told me to check with branch officials and closed my case. 
I completely felt cheated as I did n't conceal anything and told everything before clearly.
Product: Debt collection

Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and I have previously sent NCB Management Services , Inc. several request to validate debt, NCB File Number : XXXX on XX/XX/XXXX2019, 17 XX/XX/2019, XXXX XX/XX/2019, and XXXX XX/XX/2019. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. I have given them reasonable time to remedy the situation. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Since they are still reporting this account on my credit report, they are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from them by filing a claim in small claims court. I intend to follow through with the suit. 

They should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up with regards to complaint # XXXX filed with you guys regarding Experian Credit Bureau XXXX 

I reached out to you ( CFPB ) to inform you that Experian is not following protocol put in place by the FTC. It is my understanding that there is a process for disputing and if you look at my initial complaint you can or should be able to clearly see they are not following the process and adhering to the reinvestigation process. I have given it another 15 days but have yet to receive any real documentation on their process of validating so therefore I believe the following items should be removed. If they can not show me the steps taken to validate the inacuries I see then by law this is grounds for removal. After several attempts to remedy these items and XXXX efforts on Experian 's behalf I am confident the time has come to remove the said items. It is not only affecting my credit history negatively but also my livelihood this is when I take it personal!
Product: Debt collection

I sent email on XX/XX/year> with bank statements and letters from the bank that the amount requested to be paid to XXXX XXXX and I wrote letter dated XX/XX/year> that stated XXXX XXXX was charging me every week for the rental agreement and was paid on a weekly basis. XXXX tried to take out the amount in question for XXXX and I filed a dispute with my bank and was awarded permanent credit of the charges as bank told the merchant, XXXX XXXX that I do not owe these charges that they already had been paid to them.
Product: Mortgage

- On XX/XX/XXXX, I called Mr. Cooper to make my XXXX mortgage payment. 
- I was told by the representative that their system can not accept my payment because there is a foreclosure sale date of XX/XX/XXXX. 
- I was told that I forfeited the property. 
- I am in active bankruptcy and no notification was sent to my bankruptcy attorney. 
- I was told that I was in arrears for over {$10000.00} - This is not the case. I pay my mortgage every month. 
- I contacted my attorney and they contacted Mr. Cooper who said that their records show that I missed several payments. 
- I provided my attorney with bank statements showing debits to Mr. Cooper for the periods in question - I also provided email confirmations from Mr Cooper stating the my payments were posted to the account. 
- This problem happened in XXXX of this year but Mr. Cooper sent notice to my attorney that I was in default. 
- We submitted proof to Mr. Cooper of all payments made each month along with their email confirmations stating that my payments were scheduled and posted. 
- I am being threatened again but this time I am being foreclosed on. And my attorney 's were not notified. 
- In XX/XX/XXXX I called Mr. Cooper to make my XXXX mortgage payment and the billing recording stated that I was in arrears. I bypassed the recording to speak to a representative and told her what the recording said and that it was incorrect. She confirmed that it was incorrect and my account was current. She then accepted my XXXX mortgage payment - I received a notice dated XX/XX/XXXX stating that I needed to pay {$8200.00} to bring my account current. I dismissed this as a mistake because the representative in XXXX said that I was current. 
- Mr. Cooper had a cyber breach in XX/XX/XXXX and shut down their system. Their records are not accurate and I am being threatened with foreclosure and I have proved multiple times that I have paid my mortgage each month and have not missed a payment. 
- I need to pay my XXXX mortgage payment but can not until they get their records straight.