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

I XXXX XXXX inherited a substantial amount from my late aunt retirement account ( XXXX  ) {$180000.00} via wire transfer. The inheritance led to the opening of an estate checking account and money market account. I had approximately 4 accounts with this bank. This bank was the worst bank ever I had numerous phone transfers numerous bank charges on my debit card that was not made by me. Disputes of charges were all denied. The staff of XXXX were very unprofessional and I believe that I was discriminated based off my XXXX  age  and race for the type of money I possess. I also believe that the bankers XXXX XXXX  XXXX  XXXX  and XXXX  XXXX were helping themselves to my account. My money was exhausted less than a year without apparent explanation. I was receiving numerous calls from fraud department despite being under daily limit. I also had incidents where the ATM will go out of service once I make a withdrawal outside of bank no matter location and several card shut downs which believe the atms was ripping my account off. I am contacting due to the recent closing of branches I would like an account specialist to work with me to receive back that which was stolen. I am 100 % sure they owe money. I was also notified by XXXX  XXXX XXXX that there was an account open in my name outside of me. Supposedly a person in the military which is now being investigated. More than likely this can be the same individual I have no clue who it may possibly please advise and have Huntington respond promptly in regards to compromise account? I ve never been this much without my money is needed it has cause foreclosure & confiscation of 3 cars. Thank you XXXX XXXX the merging of tcf bank is also a suspicion I had an account with tcf bank at the age of XXXX that went totally wrong left me in the check system XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting Credit Report File Number : XXXX Dear Experian, I am writing to formally dispute the inaccurate and unverifiable information currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy of the information they report and to properly investigate disputes within a reasonable time frame of at least XXXX business days. ( 15 U.S.C. 1681i ).

The following item ( s ) is/are being disputed for failing verification and accuracy standards : XXXX. XXXX XXXX XXXX Basis of Dispute Upon my previous attempts to dispute this information, your methods of verification have proven to be inadequate, incomplete, and invalid. The FCRA requires credit reporting agencies to conduct meaningful and independent investigations ( XXXXXXXX XXXX XXXXXXXX ). Simply contacting the data furnisher without conducting your own investigation does not meet this legal obligation. 
Moreover, the information being reported has no supporting documentation or legitimate evidence provided to me as proof of its accuracy. Your continued reporting of this unverifiable and inaccurate information constitutes a clear violation of my rights under the FCRA. 
Required Action I demand that you immediately delete the disputed item ( s ) from my credit file as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA when information can not be verified. Failure to do so will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action to enforce my rights. 
Additional Notes Please be advised that I am requesting a detailed explanation of the methods used to verify the accuracy of this information. As mandated by 15 U.S.C. 1681g ( a ) ( 2 ), you are required to provide me with the name, address, and contact information of the original creditor or data furnisher that you relied upon. Without this, the reporting is invalid and must be removed.

I expect a full resolution of this matter within the legally required time frame of 4 days or less ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Failure to comply with this request will constitute willful noncompliance with federal law, and I will take further action accordingly. 
Please confirm receipt of this dispute and notify me in writing as well as email of the actions taken regarding my file. 
Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2022 i received email for promotion give away for complimentary XXXX XXXX XXXX XXXX$800.00} value, if I closed on my purchase with them, I closed with this lender on XX/XX/2022, I have reached out to the client over dozen time via email for the status of my XXXX XXXX XXXX, with no luck in getting what was offered to me upon closing.
Product: Debt collection

After checking my credit report there was a line showing an open account with Synchrony Bank/Amazon with a balance of over {$1000.00}, but only reporting to XXXX credit bureau. I contacted the company asking them to update and remove the account. They said the debt had been verified as mine, because I had disputed it before and never received a letter of validation, the company also would n't disclose when they sent the letter of validation, and has never attempted to contact me to continue to collect on the debt that is supposedly owed.
Product: Debt collection

Today, XX/XX/, I received an e-mail from a former employer with an attachment of a wage garnishment form stating " It appears I am supposed to forward a copy of this to you. I have attached a copy of the completed form accordingly. '' First off, I was embarrassed as a wage garnishment form was sent to my old employer. Second, I had no idea why someone was garnishing my wages so I researched the information provided on the attachment. I found a huge amount of information regarding a whole lawsuit had been filed against me by a plaintiff I had never heard of and a default judgement was awarded. 

Not only was all communication being sent to an address I had lived at more than XXXX years prior, the lawsuit was filed in a jurisdiction I no longer lived. I've never received any communication from this plaintiff regarding an amount owed, and now I have a default judgement entered against me. 

Not only is this public record now, this will also affect my credit. I didn't even have the opportunity to request validation of this amount as I have no information on it. If my former employer hadn't reached out and provided the wage garnishment affidavit I would have not known about any of this. I feel embarrassed and feel like I had the right to defend myself properly taken away from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I was the victim of identity theft where a person stole my entire wallet and proceeded to run up {$21000.00} of expenses on my XXXX credit card. Upon discovery that my wallet had been stolen, I immediately contacted the XXXX XXXX Police XXXX. and filed a theft report the following day. I filed a claim with XXXX that my card was the subject of fraud and identity theft. XXXX is the only credit card in my stolen wallet that refused to remove the fraudulent activity from my account and is holding me liable for the charges. I have disputed this negative reporting with all 3 credit bureaus and supplied substantial documentation that I was the victim of theft, identity theft and fraud. None of the bureaus have removed or blocked the XXXX account from being negatively reported as required by law.
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 NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. 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 vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

Prior to XX/XX/XXXX, I sent via mail XX/XX/XXXX what I could afford. 

Received an email XXXX XXXX with a contract, that was not what I agreed nor stated I could pay. 

XX/XX/2021 I called both the courts as I was sent documentation to attend. The jail stated I did not have to come into court if I made arrangements. I made arrangements prior to the court date. The law firm sent over a contract that was incorrect from what we argeed upon. I called them XX/XX/XXXX and discussed via phone also to have a new contract sent out to me via email like they did originally and I would sign with the correct agreement. They stated tey had to type one up and they would sent out the " new contract '' that was agreed to via phone- phone recording. 

No agreement has been resent to me since XX/XX/XXXX. I have the email chain showing this. 

Since then I have not reiceved any further documentation, nor agreement that was discussed. They have marked non payment on my credit when there has not been an argeement,
Product: Debt collection

XXXX XXXX XXXX XXXX put a fraudulent negative collections debt claim on all of my credit reports. 

TRANSWORLD SYSTEM XXXX is the collection agency XXXX is the account number provided by credit report Fraudulent Collection amount XXXX XXXX$2.00}, XXXX past due as XXXX XXXX. 
XX/XX/XXXX is the date they claim the fraudulent account was opened Fraudulent address also possibly associated with account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never received any mail or calls about this debt. I found out about this debt by checking my credit report. 

I have disputed all claims with 3 credit bureaus, this account was opened fraudulently and I have no knowledge of this debt. I also never had an account with XXXX XXXX and do not live in Texas.
Product: Checking or savings account

I was called on my phone and told it was Wells Fargo there had been suspicious activity on my card and they wanted to see if it was me.I was told to log into my account and there would be two fraudulent charges that they were checking on.When I logged into my account I saw two attempted charges o my debit card that they asked if I had made I said no so they said they were going to shut down account and in order for me to have access to my funds I had to transfer money to XXXX XXXX  to have access to my money while account was frozen for investigation.I asked how do I know this is Wells Fargo and they said check the phone number on the back of your debit card that is the number we are calling from.I checked the number and it was the same number on the back of the card the fact then new of transactions on my account plus that convinced me it was Wells Fargo .So I followed there instructions to transfer money to XXXX XXXX so I would have access to my money while account was shut down.something didnt feel right so I got home phone and called on my home phone the same number just to be sure.XXXX XXXX answered and said to hang up because it was a scam.I hung up with scammer and was very relieved that I had sensed the scam and reported it.The Wells Fargo agent assured debit card was closed and not to worry.The transaction was still pending at they time so I assumed Wells Fargo was telling the truth and transaction would be stopped. Unfortunately Wells Fargo did not stop the pending transaction and it went through for XXXX XXXX.So I called Wells Fargo back to see why money had came out of my account when I had reported it was a fraudulent transfer before transfer was complete they denied my claim and wont give me my XXXX XXXX  back I am confused and deviated they this is allowed for them to do please help me get my money back!
Product: Debt collection

Note : if you will see the Total amount of vehicle has been changed twice. Now XXXX claims that a different amount has been changed from XXXX. On my credit reports it shows different. Also see documents of a Security hack with my personal information involved. FBCS claims it is from XXXX XXXX. XXXX lied and said they did not sell my debt to anyone? Maybe they didnt sell but why does FBCS have my information? This has gotten to be harassment from XXXX. Thank you to CFPB for listening to this ongoing racket of XXXX. I know for a fact that they have something to do with the GAP insurance I had as well.
Product: Bank account or service

For several years Wells Fargo have been charging me overdraft fees for insufficient funds in my checking account. Several of my bills had to be set up as auto payments. 
I have requested that Wells Fargo not make the payments if the funds were n't there because the late fees are less than the {$35.00} overdraft fees. 
I was informed that this is Walls Fargo policy for auto payments and debit card transactions. 
They will not let me opt out. 
They are taking advantage of the lower income people. 
I had several overdraft fees in the last month alone, so it is hard for me to get ahead with my limited Social Security income. 
Is there any way to get these charges reversed and opt out of overdraft protection. 
Thanks in advance XXXX
Product: Checking or savings account

XXXX is holding my funds and not allowing me to use my business account. I don't have any funds to pay for my rent, my expenses and the landlord is kicking me out if I don't pay the rent. XXXX is not giving me any explanation as to why are they holding my funds and no one is telling me or giving me a time frame as to when I am going to get my funds that I have been working really to hard to earn and make a living
Product: Debt collection

The debt collector is trying to collect an amount that is not owed. I never agreed to this amount. I attempted to come to a agreement with them and they did not agree. I sent them a notice to delete from report because the amount is hurting me. Please delete this false number from my report. It is hindering me from moving forward in life. I cant get a home for myself and kids because I'm not trusted due to a false number that a credit card company is trying to collect. My credit limit was {$300.00} and their reporting {$680.00}. Their punishing me for basically having issues with with my finances.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle , Inc due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle, Inc 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 Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Mortgage

I have had a siding loan that was added as a XXXX mortgage to my house since XXXX. On XXXX XXXX, XXXX, I scheduled a payment online to pay off the balance of the loan, totaling XXXX. Key Bank 's online account access showed they were processing XXXX payments, XXXX for the monthly amount of XXXX and a XXXX for the balance of XXXX. After 3 days of pending status, the only payment now posted is the XXXX. HOWEVER, they have taken BOTH payments from my bank account. When I called to investigate, they told me that they did not have record of the larger payment and the only payment I had scheduled was the smaller XXXX. After I informed me that according to MY bank balance they had an extra XXXX floating around and I wanted it located, I was informed the only way to pay off a loan was thru a wire transfer, which I was NOT advised of when I called in to inquire about an early payoff fee, and so they did not have the money. They have now informed me that I needed to take it up with MY bank and call them back when I was ready to wire transfer the balance, which has now increased due to all of this MESS!!! When I requested to speak to a manager, I was informed that the manager was off today so she could leave a request for a call back. This is TOTALLY unacceptable! How can a bank literally TAKE your money and then tell you it 's up to you to get it back?? They are LITERALLY the most AWFUL bank ever. Their customer service is ATROCIOUS. I told the representative all I wanted to do was NOT do business with them and I ca n't even get out of THAT.
Product: Credit reporting or other personal consumer reports

I applied for credit with XXXX. XXXX stated that I had a fraud alert on either XXXX or Transunion. Both XXXX and Transunion informed me that I did not have a fraud alert when I called them. After reapplying with XXXX, which I've been using since XXXX, I discovered that I had a fraud alert on my Transunion account. I accessed the Transunion website to verify the situation. The website has been having issues for several weeks now. The website is unable to load information and is displaying an error message, prompting users to try again later. I attempted to contact the Transunion help line, but the automated service resulted in a back-and-forth exchange. I was on hold for XXXX minutes, then the call dropped. When I returned the call, they again placed me on an extended hold. I feel as though no one is employed by this company, and the website is truly appalling. 

Shareholders own the publicly traded companies that operate the credit bureaus. Why do they have such a profound influence on the lives of veterans? They are the same courageous individuals who have sacrificed their lives to ensure our freedom to live peacefully. The credit bureau reports are a growing nuisance in the consumer 's financial life. Their actions and neglectful behavior can significantly impact our financial needs. 
Starting in XX/XX/XXXX, I took several steps to get them to investigate and fix the issue. The credit bureau customer service department needs to provide better service. Their lack of care has significantly impacted my ability to secure a loan from XXXX. This loan is to purchase a plane ticket to travel to XXXX XXXX for care. I called today, XX/XX/XXXX, at XXXX, as their website indicates that they are open XXXX days a week. When I reached out to the fraud alert department, they requested several pieces of information to verify my identity, but ultimately informed me that they were closed. This system is unfair, predatory, and life-threatening, as it prevents me from obtaining a loan to purchase my airfare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have been disputing Synchrony bank over the validity of a Walmart account on my credit report. The account, along with several others, from Synchrony bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The Walmart card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for Walmart through Synchrony bank. After disputing and sending police report, one of the accounts was removed. The other Walmart account was not and I had to do a settlement Synchrony in order to obtain my home loan. I was informed that the trade line would be removed just like the first Walmart account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both Synchrony and XXXX XXXX XXXX as they acquired some Walmart accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for Walmart for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from Synchrony and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second Walmart account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.
Product: Student loan

Never been sent actual contract. Even in the past making payments inaccuracies and balance then reporting late fees and payments but when you talk to customer service they say tak to school which never answers or calls back the last few years.
Product: Mortgage

I refinanced with Village Capital for my home loan. It was a fixed term mortgage. Despite this, my monthly payments continue to increase without explanation.
Product: Mortgage

I did a cash-out refinance with Loan Depot. From the get go, the loan officer broke the law. He and I had simply discussed some numbers, and I said that it sounded good. He tried to take my appraisal payment right then and there, before I ever saw the numbers on paper and gave my intent to proceed.

The first problem was that the " lender credits '' he promised me were no where close to what was actually given to me. He told me repeatedly that the appraisal was going to be refunded to me. It was not, and I was made out to be the XXXX that didn't understand. Meanwhile, I am a XXXX XXXX, I do this every day. I know the verbiage, I know the business, I know when someone tells me I '' m getting my appraisal fee back, vs it is POC and will reduce my cash to close.

Finally, the closing. The closing date was missed. They then sent a notary to my in-laws home in Alabama who apparently lost the deed. I then had to resign, was scheduled with two different attorneys, then was told I actually didn't have to sign. Confused, yet? So was I. It finally funded about a week later, and I was wired my cash back at closing that was {$110.00} short of the Final Closing Disclosure that I signed. They did not catch this. I caught this. Imagine what they are doing to people who are not as versed as I am in the loan process. The loan officer was garbage and a liar. The processor was ok, but still was below par. I can only imagine how many times this has happened to other people who begin to do business with them under the bait-and-switch tactics they tried on me.