23daVinci/CFPB_Complaints huggingface dataset:
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 comsumers 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 noticed something is wrong with my credit file XXXXXXXX XXXX XXXX with account # XXXX it has several innacuracies which I have tried getting them to remove the account but I havent had any luck.the items that are wrong is listed below : Account type Date opened Date last reported Date last active I want this account removed immediately
Product: Debt collection

XXXX says i owe a debt of {$5400.00} but to my Knowledge i don't owe XXXX   any debt. They have now turned me over to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has my account unbelievably wrong. It started XX/XX/XXXX. They have removed all of my credit history. I show only one credit card with XXXX. 
They are ruining years of perfect credit history. They show me as a XXXX score, but look at XXXX? I am and always have been XXXX or better. I've reported them to XXXX with no resolution. I've contacted them eight times about this mistake. XX/XX/XXXX they sent me a report listing all my history which displays why I am so upset. The history was correct on this report? Still they report publicly a XXXX score. Vindictive reporting about me for unknown reasons. I am extremely tired of fighting with Trans Union about this. The other two reporting agencies have my score correct when companies contact them showing XXXX and XXXX FICO SCORES. I WANT THIS RESOLVED! I don't know what their problem is maybe because of my conservative party views? 
Please help me. I am at wits end fighting Trans Union. They just won't admit they have lied about report for 6 months. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Texas
Product: Debt collection

This firm is attempting to collect a debt and they have not given me any information as to what they are claiming I owe. This issue dates back to 2020 and they are attempting to levy my account without giving proper information and notice.
Product: Bank account or service

This is a complaint against Wells Fargo 's checking account fees. Wednesday XXXX XXXX, XXXX an e-check I had written arrived at my bank account, typically when a check arrives regardless of how much money I have in my account, it is identified as " pending '', if I do n't have the correct balance to cover the charge, I then have time to deposit the cash and avoid any fees/charges due to non sufficient funds, however on Wednesday XXXX XXXX I never received a notification that the check had arrived and it NEVER showed any form of indication that it was presented to the bank. On Thursday evening XXXX XXXX at XXXX I received an email stating, " unfortunately, on XXXX/XXXX/XXXX your balance in your Wells Fargo account XXXX was insufficient to cover XXXX or more of your checks '' that I would need to go to Messages & Alerts inbox to find out more. My husband and I immediately logged into our bank account online, yet there was no mention of this e-check on Thursday evening at XXXX, it never showed up as pending or insufficient. The next morning we checked online again and it appeared in our account as having arrived on XXXX but not pending, but simply being returned. This transaction bouncing caused me alarm enough that lead me to believe my account had been compromised, I was suspicious that my account was so messed that I called on Monday XXXX/XXXX/XXXX, cancelled my overdraft protection plan, which normally would have taken all my funds from my savings account, I then moved all my money from checking to savings and then put a stop payment on other checks that I knew were going to arrive in the account on Tuesday XXXX/XXXX/XXXX and Wednesday XXXX/XXXX/XXXX, there were a total of XXXX e-checks. Even after paying the {$35.00} fee for XXXX NSF check, I had to pay the stop payment fees of {$31.00} for each e-check stop payment, which was better than having to pay the {$35.00} NSF check fee for all XXXX checks. Today, XXXX/XXXX/XXXX I check my account and Wells Fargo has charged me for XXXX stop payment fees instead of XXXX which throws my checking account into the negative, which caused them to charge me {$35.00} NSF fee AGAIN. It 's NOT just that they messed up my checking account with their lack of reporting my pending transaction properly, they messed up my e-check check cashing service, I had to close those accounts and now have nothing but trouble getting everything back in order. PLEASE help me, I feel like I am a victim of Wells Fargo Bank Bullying. Even when I went to the local branch on Friday XXXX XXXX, they were no help, noone in the branch could tell me how this could have happened and no one could help me to clear up the no-show/overdraft problems, they said I could come back and meet with a banker who may be able to look of the code of why it was not reported on my account, but that was too close to XXXX to get anyone to work with me. I need help, I ca n't argue with this big bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of a Title IV-D claim based on my recent discovery of fraud ( concealment of material fact ) and was informed by Office of Temporary Disability Administration that Dept. of Health Human Services, NYC Human Resource Administration, NYC Office of Child Support Collection Services, NYC Support Collection Unit are " Not Subject To '' the Fair Credit Reporting Act 1681e. ( b ) Accuracy of Report ; 1681i. ( 2 ) ( B ) Prompt Notice of Dispute to furnisher of Information ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( i ) delete said information or the Fair Debt Collection Practices Act. 1692g. Validation of debts ( a ) ( 1-5 ).
No governmental agency mentioned above would or could validate the existence of a contractual obligation or furnish the original instrument that created a debt. Their is no validation of a debt. I also have certified copies that no judgement ( s ) were entered within XXXX XXXX County & XXXX County Clerk 's office pursuant to FCA 460 ; CPL & R 5012,5014, 5016, 5018 & 5041.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I have never done any businesses with this company. This company does not have a contracts with my signature.
Product: Mortgage

Case # XXXX and XXXX. I am up loading an Bank of America online statement with the new account # ending in XXXX and the original account # ending in XXXX. The online account {$89000.00} owed and minimum payment due {$29000.00}, make payment. 
Finally, I received a phone call from Bank of America, XXXX, on XXXX/XXXX/16, I believe from XXXX XXXX at XXXX for 1.25 minutes. I asked him if we were being recorded for Quality Assurance and he said yes. Also, I told him that he was being recorded by me for Quality Assurance. XXXX XXXX said that he did n't know what I was going to be using my recording for and I told him the same as him, Quality Assurance. XXXX XXXX said that he did n't want to be recorded and he would send me a letter. If I call him we could talk without me recording him but he would record me. I have been calling Bank of American about them seeking money from me and I received a discharge and the house was sold in a Federal Bankruptcy Court for five years and they always record me and do nothing. In order to have Full Transparency, we both need to accept recording from both parties and I hope they will resolve the problem. I have sent all the evidences and I hope Bank of America resolve the problem without talking to me because they do not want to be recorded by showing full transparency.
Product: Payday loan, title loan, personal loan, or advance loan

I owe on the loan but having alot of issues at the moment. They are rude and do not want to work with us. Also abuse of vulnerable adult as well. Will not and do not want to do business with XXXX XXXX XXXX XXXX. Will only deal with the main company in Texas. I do want to make payments on our loans. Just totally rude people and by the way they are hired they go against that. 
Second deal is they use our friend and family list too much instead of at the beginning for references. They constantly call every day and XXXX to XXXX  times a day or more. we have lost our references friends do to their harrassing them daily. 
Also last item if you go to their website since XX/XX/XXXX the loan deal certificate for them to use store in Oklahoma has expired and has not been updated so basically the XXXX store is illegally calling and collecting. Since XX/XX/XXXX.
Product: Checking or savings account

Wells Fargo 's Lax Security Measures Enable Check Fraud We have fallen victim to a check fraud scheme, and Wells Fargo 's inadequate security measures have allowed the perpetrator to deposit our check. Here is a summary of the events : XX/XX/year> : We wrote a check to " XXXX XXXXXXXX XXXX XXXXXXXX '' for a stair-railing project. 
XX/XX/year> : A person named XXXX, who is not affiliated with the company, deposited the check into their account. 
XXXX : We contacted Wells Fargo , reporting the incident as a theft and check fraud.

Wells Fargo 's Response : Wells Fargo 's customer service informed us that anyone can deposit a check, and it is treated like cash. They stated that if we lost the check, we lost the money. This response is unacceptable, as it implies that Wells Fargo has no responsibility in preventing check fraud. 

Lack of Accountability : Wells Fargo 's lax security measures and lack of accountability have enabled this check fraud scheme. As a financial institution, they have a responsibility to protect their customers ' funds and prevent fraudulent activities.
Product: Consumer Loan

I contacted the company XXXX on XXXX. I never authorized them to pull my credit. They did so anyway. They would not remove the inquiry. They wanted me to do a police report saying I was a victim of fraud when they did this to begin with. My credit monitoring service experian had to open a fraud claim on my behalf. I am filing this report as well as the ftc to cover all my angles.
Product: Debt collection

I am receiving repeated calls from XXXX XXXX  regarding 2 accounts that I missed some payments on. XXXX is calling my phone repeatedly and has now started calling and leaving threatening messages on family members phones. Saying I need an attorney to handle my situation and talking about legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I was a happy Wells Fargo customer and doing everything right. Then out of the blue, Wells Fargo calls me and says due to IRS deposits coming in, they had to close my account. These deposits were from my kids. I was told that I can have their info sent to my account. I was told that because I didn't add them to my account as a signer, they can not accept the money. I am now out {$6400.00}. I am very unhappy about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was supposed to report to all three credit bureaus but only reported to XXXX. XXXX claimed to have removed XXXX from my credit report, and they did not actually remove it from my credit report. XXXX has not reported ANYTHING ACCURATELY since XXXX, XXXX. Also, none of my addresses on ANY credit report are accurate, therefore it is impossible that XXXX, XXXX, Transunion, and XXXX were able to dismiss my disputes in their dispute responses, if they can't prove that I lived at another address. 

XXXX XXXX and XXXX XXXX agreed for a pay-for-deletion amount of {$260.00} and agreed to report that I was able to bank with XXXX XXXX XXXX again . 
Case : # XXXX P : ( XXXX ) XXXX. 

The collection agency may not have documented the correct amount, and if not, I have sufficient evidence to prove what was said in my conversations with the scamming collection Agency that works with XXXX. 

{$260.00} was not the actual amount that was reportedly owed, {$220.00} was the actual amount. The {$40.00} extra that the collection agency asked me to pay was for deletion of the XXXX charge off from my credit report and the restoration of my XXXX account. 

11 months has passed since I first filed a complaint and still no righteous, proper, nor professional work was done. FCRA was violated multiple times with fraudulent information, and negligent behavior by XXXX, XXXX XXXX XXXX, XXXX, XXXX, and Transunion. XXXX was caused by refusal to officially remove XXXX account from Credit Report. I am still receiving a message stating my account is disabled by XXXX XXXX XXXX whenever I log in to my old account. I am also banned from making any new XXXX XXXX XXXX Account. Emotional Distress, Denial of opening ALL credit union accounts due to XXXX 's false updating, and negligence of completing a full investigation are all violations and penalty fines may occur. I will submit a complaint to XXXX XXXX XXXX XXXX if I continue to see any more false information in regards to my personal information and credit scores. Fraudulent actions and negative reporting on consumers may seem like no big deal because it's not in regards to YOU, but I will sue Transunion, XXXX, XXXX, XXXX, and XXXX 's collection services with all of the legal power I have if violations ensue. All companies involved in wrongdoing may have to defend their companies in a court room, one by one. You have between 30-45 days to respond. Since I've already reached out and submitted a complaint to all of you, I'd recommend making your FINAL response decision by XX/XX/XXXX, as I have more than sufficient evidence to sue every company listed. Thank you.
Product: Checking or savings account

A third party deposited a check in my account on XXXX at around XXXX. I checked on XXXX and there was a hold on the funds. On XXXX, XXXX ) the hold was still in place. I contacted US Bank and was told that since it was a new account ( account was opened in XXXX ), there was a hold placed on the funds. 

This deposit does not breach the threshold for a large deposit, being only {$2900.00}. Additionally, the account is older than 30 days, so is not a new account. I asked for partial fund availability, which they denied If an exception to the normal schedule was exercised a notification should have been sent, per 12 CFR 229.13 g 1 i. The bank has multiple methods to contact me, email, online banking notification area, phone/text, and my address. I have not received a notification. 

I told customer service that, as no notification was given, this a hold beyond two days is unlawful and asked for full fund availability. I was told they had no official mechanism to remove the hold and I would need to wait for the hold to be removed on XX/XX/XXXX. The only recourse was to go in person to a bank and speak with a bank manager. It being late on XX/XX/XXXX when offered this option, I could not reach a bank to exercise this option. 

Summary : This hold seems frivolous, and in any case, notification should have been sent. With the duty to notify failed, when notified of the failure, they should have made funds available.
Product: Debt collection

There are two collection on my XXXX credit report that AR Resources claims as not paid. XXXX XXXX XXXX was the primary creditor that reported to collections two XXXX each charges to collection on XX/XX/XXXX under account number XXXX. AR Resources held both accounts at that time and still claim these services are not paid as of XXXX XXXX XXXX. 
Both accounts where paid in full on XXXX XXXX XXXX through XXXX Credit Card payments on file in there system. Those co-payment charges where for office visits on XXXX XXXX XXXX and XXXX XXXX XXXX in the amount of {$25.00} each visit and additional fee 's of {$7.00} each. 
XXXX XXXX XXXX will confirm both AR Resource collection where paid to there office and can be contacted at ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX XXXX XXXX C/O two accounts under XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing hard inquires on my credit report illegally. Be advised that multiple companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wess Fargo closed a credit card for lack of use, No Foul. then sent a derogatory report to experian credit co. I asked the Wells Fargo why they did this, they could not give me an answer. soon after this my credit score plenished. my american express account was lowered from XXXX XXXX to XXXX XXXX. My cap one account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX because my credit score dropped XXXX points since XX/XX/XXXX. I was told there's nothing they can do. Other rational : 18 Hard inquiries ( Trying purchase a new car, so the dealership shop my credit without my permission. All inquiries was completed within 45 days Department/XXXX is reporting delinquency XX/XX/XXXX to XX/XX/XXXX. My student loan was going thru the process of consolidate to one loan. Consolidate to one account and paid XX/XX/XXXX. XXXX XXXX was with any miss payment, however they was late due loss employment from XX/XX/XXXX - XX/XX/XXXX Hired XXXX XXXX, however after a year or so it was becoming financial strain no results despite errors, multiple mailing and escalating letter
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX. XXXX, XXXX XXXX
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This is the first that I heard about this company. It appears on my credit report without proper communication with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number.