23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns with XXXX 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 findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My first complaint regarding my short sale that has been going on since XX/XX/XXXX, still has not been resolved. The file has repeatedly been sent back to the same departments time after time for 3 years. I have delivered every document in a timely fashion as requested. Now I am on my 3rd extension with the IRS to release their lien, which by the way will expire on XX/XX/XXXX. Which I also placed Wells Fargo on notice. Wells Fargo forced my Client to complete a full blown appraisal, XX/XX/XXXX, at her expense, now I am told a new Price Opinion needs completed, then the file gets moved to Cash Flow review, then from there it goes to a negotiator. This is beyond professional, there is no way these repeated events have assisted my Client in attempting to do the right thing, and continue to maintain the property, and keep the home from Foreclosure. With this being said, financial documents will expired, and the process will start all over again. There has to be an individual who can step in and get the job done. Instead of passing the file to these individuals whom ca n't seem to recognize what a deadline is after years of frustration, I keep getting the same answers.
Product: Credit reporting or other personal consumer reports

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. XXXX XXXX XXXX is not licensed to engage in debt collecting activities in the state of Texas.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a credit card through XXXX XXXX and I was declined! The banker checked my credit report and we discovered that somebody had taken out a credit card in my name in XXXX, XXXX and had missed payments causing the card to be closed. This negatively impacted my credit score so the company refused to issue me a credit card. I have since reached out to XXXX and they are disputing the card for me, which is amazing. I am worried that some unknown individual has access to my Social Security Number, which worries me. How else would they be able to take out a Credit Card in my name?
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this  unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ca XXXX
Product: Student loan

I submitted the following information through Mohela secure email on XX/XX/XXXX2023 and XX/XX/XXXX2023 and spoke with customer service representative on XX/XX/XXXXXXXX  and they were not able to give any information regarding refund. Below are the two emails sent to Mohela : The purpose of this email is to obtain information regarding payments made after my 120th qualifying payment. I have a total of 160 qualifying payments dated ( XX/XX/XXXXXXXX  ). My XXXX XXXX consolidated on XX/XX/XXXXXXXX  ( documentation below ) and my loan was discharged on XX/XX/XXXXXXXX  ; however, I continued to make payments from XX/XX/XXXXXXXX  until XX/XX/XXXXXXXX  ( documentation below ). I made 14 additional payments in the amount of {$1100.00} from XX/XX/XXXXXXXX  until XX/XX/XXXX. According to your information posted on your website, and the student aid gov website these are considered overpayments ( 14 payments of {$1100.00} = {$16000.00} ) and should be refunded to me. Please review information below and check your information and my student aid gov loan history. I would greatly appreciate it if you could review the information and respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with XXXXXXXX XXXX. I was in middle school in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Product: Credit reporting or other personal consumer reports

All on XXXX XX/XX/year> : * Received an email that my Experian account was updated, which I did not do. 
* Also received a text message about my " new Experian XXXX XXXX account '' that I did not open. I called and reported the fraudulent account and they suspended it but even though it's supposedly " my '' account, they refused to give any details of when it was opened, what the balance is, the method it was opened, how it got past EXPERIAN 'S OWN FREEZE and IDENTITY THEFT ALERT on the account, which has already prevented the opening of accounts at other banks under similar circumstances. They are " not allowed to disclose that information '' while simultaneously they will " investigate if it's fraud '' even though I outright TOLD THEM it is fraud. 
* Requested also to be transferred to a human being to help get the membership login information restored and protected because " account hacked, '' " representative '' and every other possible way to try and navigate to a person is unsuccessful and results in the auto-bot saying " I am only able to transfer you to a person under limited circumstances, '' where account fraud is apparently NOT one of them. I have an audio recording of the process to prove it. 
* Multiple attempts to connect via several phone numbers and via several avenues -- requesting the fraud department, who is not at all interested in the fact that someone has hijacked the account and can now unfreeze my credit, the corporate number, which also has a phone tree that dumps you into the same dead end, and more.
Product: Credit reporting or other personal consumer reports

I disputed a collection on my XXXX, equifax, and XXXX  accounts with documentation proving that the collection was the incorrect amount. The leasing company charged me for extra months of rent beyond my stay and beyond the date shown on the leasing agreement. I provided documents of the lease with its end date, the extra months of rent that I was charged for on their billing app, and my new lease that I was in with a different company for the months that I was being charged by my old landlord.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I took my son, XXXX, to the XXXX XXXX XXXX XXXX XXXX car lot in XXXX, CA. to purchase a vehicle of his choice with his pre-approved letter for $ XXXX from his personal bank, XXXX XXXX XXXX XXXX. When he presented the approval letter to the salesman, he took it back to the finance department to get verified. 
The salesman returned and stated that the approval letter was verified by the bank and my son was " good to go ''. 

After my son, XXXX, selected a XXXX XXXX XXXX, for $ XXXX plus fees, the salesman took the paperwork to the finance department, and returned to us stating that the finance manager said they would let my son have the vehicle, but only with a " backup signature '' ( as he said it ). Little did we know that the salesman was hinting that they wanted me to co-sign, which we both misunderstood what he was trying to say. That's when I made the mistake of giving him my ID. 

The salesman gave us the contract agreement to sign. As I began to read the small print, I immediately told my son " Don't sign that paper ''! My son asked me why? I told him that they changed the numbers on that contract. And I think they ran my credit without my permission. My son 's bank, XXXX XXXX XXXX XXXX, approved him to pay XXXX XXXX/mo., 7.940 % and 72 months to pay it off. XXXX XXXX XXXX XXXX XXXX lot had changed the numbers to 15 % interest rate, {$900.00} a month, which is a significantly higher amount. My son stopped reading the contract, because I said " let 's go ''. I was furious. I told my son we were not going to sign those papers because they ran his credit as well as mine without my permission as well, changed the interest rate and increased the monthly payment. That's when we decided it was time to go. 

This did not make sense to us because my son 's approval letter was good for $ XXXX. That's when we realized they were trying to scam us in order to use their own bank to finance the vehicle for a higher profit. 

They did not have my permission to run my credit. They knew what the procedure was when some one presents them with a pre-approval letter from another lending institution. And this is not what they did. That's fraud. Now, there are numerous hard inquiries on my credit report unauthorized. I did not come to buy a car anyway. 

15 USC 604A section 2 states : state a consumer reporting agency can not furnish an account without my written instructions.

15 USCs 2 ( A ) ( 1 ) : A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I opened a credit card with First Tennessee bank XX/XX/XXXX. received the card about 4 weeks later. when i went into my online banking to add the credit card to my screen, I found out that besides my checking account from XX/XX/XXXX, and the new credit card. i have a third account that has been hidden. it was a checking account that was opened without my permission. I called customer service and the agent on the phone said i opened the account same day the credit card was opened. the agent just offered to close the account with no explanation why the account was opened in the first place. i sent an email requesting explanation and they replied 4 days later saying basically the phone agent took care of closing the account and again without explaining what happened. 
this was engineered in a way for me to never find out about it. it was hidden from my online banking. no debit card was sent to me. 
I checked with my husband and other relatives who ban with First Tennessee. and after digging deeper found similar situations. separate CFBP complaints will follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo Dealer Services on Monday, XX/XX/2020 to advise the payments for XXXX & XX/XX/2020 were not reflected on my three credit bureau reports. I expressed that I am in the home buying process and I need those payments reflected. I was advised they would provide a copy of my transaction history to submit to the credit bureaus. On XX/XX/2020, I received the transaction history via email. On XX/XX/2020, I contacted XXXX  and was advised that all information must come from the creditor not from me. On that same night, I contacted WFDS and was advised to send a letter to their Credit Bureau Operations Department. 

I have the same issue with my student loan servicer, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXX GA XXXX ) XX/XX/XXXX Re Acct # ( XXXX ) This letter is regarding the account linked above, which you claim is a collection I have with your company. This is an Official Notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Please note that I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that i dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 1692e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purpose of the 15 US 1962 et seq., This Notice has the same effect as a dispute to the validity of the alleged debt and dispute to the validity of your claims. 
Please Note : This is Notice an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

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 {$8200.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Wells Fargo since the beginning of 2024 has refused to refund my overdraft fees, they continuously charge me {$35.00} after {$35.00} for bills I cant change and dont schedule, before my paycheck comes. There is nothing I can do to make my account positive. This week alone its {$70.00} and now my check is going to disappear when it drops.
Product: Credit reporting or other personal consumer reports

Inaccurate credit inquiries is reporting on my credit report Please DELETE IMMEDIATELY FROM ALL 3 credit bureaus XXXX, EQUIFAX AND XXXX 1. XXXX / XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to this company XX/XX/XXXX, and I received a response back XX/XX/XXXX. However they are requesting more information when other companies search in their system with less. I provided my name and address which should of been more than enough information to search any information of me in their system. Im not comfortable giving any more information out because I dont remember the credit inquiry.
Product: Checking or savings account

I believe Comerica bank the underwriter of DIRECT EXPRESS for XXXX is discriminating based upon XXXX. Id like to speak to someone in person. 
Theyre not giving a routing number to EVERYONE only in certain states and then it is a group. Thus defining the XXXX. 
Also using 2 numbers to dedicate at the start of each cards number who is getting funds and who is not. 
I can not file my taxes or recieve my stimulus because of them. 
THE SHEER FACT THAT I HAVE TO DO ALL THIS TO GET A ROUTING NUMBER IS PROOF IT IS XXXX DISCRIMINATION. HOW WOULD SOMEONE WHO IS HOMELESS BE ABLE TO EVEN MAKE A COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit report states that I had a XXXX loan and the car was repossessed. Thats inaccurate and needs to be removed. I sold the car to XXXX.
Product: Vehicle loan or lease

ALLY AUTO HAS MALICIOUSLY AND FRAUDULENTLY CLAIMED THEY HAVE A CLAIM ON MY PROPERTY BUT HAS CONSISTENTLY FAILED TO PROVIDE LEGAL EVIDENCE OF OWNERSHIP OF THEIR CLAIM.  

SHOW ME WHERE "ALLY" IS FIRST PARTY TO THE CONTRACT THEY PROVIDED!

PLEASE REVIEW ALL PAGES IN THE 553-OK-ARB-e RETAIL INSTALLMENT SALE CONTRACT  AND PROVE WHERE ALLY IS REAL PARTY THE CONTRACTUAL AGREEMENT.  THIS HAS BEEN ALLOWED ENTIRELY TOO LONG!
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

A account was opened in another state when I was XXXX XX/XX/XXXX, When I called Dish network and told them about it. it was removed. Now here XX/XX/XXXX they come back saying it was for my address which I never had account with them in amount XXXX and change. I sent a police report and stuff to everyone XX/XX/XXXX that several accounts where open when I was deployment. No one was living at my house at the time. So no XX/XX/XXXX they keep sending it to different collection agencies even after I talked them and agency returns the account back to after looking at the dates. and all XXXX XXXX is say that they are informing of a debt and do I still the equipment. I did n't sign for or authorize this account and after checking with my ex wife to see if she did where she was living she said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on XXXX XXXX reported on my report with no permission from me, i am a living human being that did not give any permission!!! 
15 U.S, C section 602 A. States I have the right to privacy.

15 U.S.C. section 602 A section 2 is also states that a consumer reporting agency can not report my account with out my written instructions. 
15 U.S.C.1692Cwithout the prior connect of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of any debt