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

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have accounts that are not correctly reported- XXXX XXXX XXXX ( autoloan ) you have it as I owe a total of {$9900.00} but this account is currently paid-off XXXX XXXX XXXX ( credit card ) you have it at {$4000.00} but its actually {$100.00} left on this account. this is the only credit card i have but yet you have my credit card utilization at 80 % mean while its a XXXX credit card and i owe but XXXX on it. thus intentionally holding down my credit score with wrong information on my credit report. 
- XXXX XXXX you have it as closed with a debt of XXXX meanwhile this account is currently paid-off. so all these incorrection information you using it to give me a low credit score. my accounts are all currently and most paid-off but yet you keep dropping my credit score which doesn't make sense to me. 
Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that I f your fast to report accounts on peoples credit information you should be fast as well to update them. 
I will take legal action if i check next time and you have inconsistency with your reports on my account
Product: Credit reporting or other personal consumer reports

I have contacted equifax several time via telephone and 2 certified letters sent on XX/XX/XXXX and XX/XX/XXXX. With no response. 

I contacted XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and sent certified letters XX/XX/XXXX and XX/XX/XXXX
Product: Checking or savings account

After closing the personal checking account, Chase Bank failed to honor its written statement to remit {$380.00} to my address of record. In a letter dated XXXX XX/XX/2021, Chase Bank claimed to have mailed a cashier 's check on XXXX XX/XX/2021. I called Chase Bank on XXXX XX/XX/2021 after waiting more than 10 business days and no one from Chase provided any information or updates. After insisting upon getting information, Chase Banking representatives claimed that my calls were abusive and blocked all of them. 

I later discovered that the toll free number to which Chase had directed my calls was not the direct line to its Executive Office, but another number to its investigative arm of its Fraud Department. All the customer service agents to whom I directed inquiries about the check work as investigators within the Chase Fraud Department and have no direct connection to Chase Executive Office. The Chase Fraud Department has opened its own internal investigation, has used inaccurate personal information it gained from old credit reports after using XXXX to track a person. The Fraud Department set up the toll free line not to resolve the check refund issue, but to gather information to find inconsistencies in my claims. 

Chase Bank representatives interact with me harshly by acting like this situation has become part of some criminal investigation because I am an XXXX XXXX woman. Therefore, Chase Bank has zero intention on refunding the {$380.00} from the account it closed. Though Chase may insist it reserve the right to close accounts for any and no reason, I have the right to demand accountability. 







The bank has zero intentions of refunding the money
Product: Debt collection

XXXX XXXX has falsely indicated that I owe a balance of {$2000.00} in which the account was paid in full by XXXX XXXX, federal student loan company on my behalf. I have made several attempts to take care of this inaccuracy to be told by XXXX, the account has been verified. I have not received a verification letter to confirm the amount they are reporting to the credit bureaus is accurate.
Product: Debt collection

I have discovered a derogatory mark on my credit about a year ago that did not seem familiar. After doing research I found out that the entry was related to a bail bonds company. At this time they provided me with information about an old roommate of mine who I have zero contact with apparently submitted my name as a backup contact and provided materials he collected from my initial application process when i moved in a few years before this. 

I have made several attempts to clear this from my report as I have not ever gave permission to this person to use my information and should not be liable for this persons debt. I have asked on a few occasions for them to provide me with proof of my information being submitted. They informed me that someone must have came into their offices and provided identification. This would be impossible and I would like to have some hard proof that this occurred. They said they would provide this information but still to this day will not remove the account from my credit or provide any further information. 

I am not sure what else can be done to resolve this. I do not want to pay for a debt that is not mine and clearly the result of identity theft.
Product: Vehicle loan or lease

US Auto seemed to just disappear, I have no knowledge of the company who allegedly has my contract. It seems very sketchy and fishy because I have had gap insurance on my vehicle and since my contract was sold to another company, I no longer have my gap Insurance. Also my price that is still owed is absolutely incorrect. I have tried speaking with someone at Westlake portfolio and its impossible. I once was able to contact someone and I asked for proof that they now own my contract and they refused. I have tried my best to keep paying my car note but something doesn't sit right with this company. I am now having issues with the car and my car is under warranty and I have no where to take my car for Service. Also god forbid me getting into a car accident and I now have no gap Insurance, and they never told me anything, I had to ask them the one time I was able to get a live person on the phone. I really need to do a debt validation letter to make sure this Information is correct because I dont have a contract with Westlake portfolio, my contract is with US Auto . This whole ordeal is a mess and no one is affected but the people who have these contracts that are now void. Can someone please help us.
Product: Credit reporting or other personal consumer reports

I have made repeated attempts, on three separate occasions, to notify XXXX XXXX that I am an authorized user on a credit card account that was fraudulently opened in my name. Despite my efforts, XXXX XXXX has insisted that only the primary account holder can remove me from the account. 

I want to emphasize that I have never utilized nor even seen this credit card, it is imperative that action be taken promptly to rectify this situation, as it is unjust for me to bear the consequences of someone else 's fraudulent actions. 

I kindly request your assistance in addressing this matter with XXXX XXXX as soon as possible.
Product: Mortgage

We noticed on our monthly mortgage statement a charge for " repair '' for {$200.00} XX/XX/XXXX. We inquired about this fee XX/XX/XXXX, and were told it was for Code Enforcement. We have never received any communication from Code Enforcement, so we requested a receipt or invoice of what was paid to be sent to us. We called Code Enforcement, and they had no such record. A week or so later, we never received the invoice. Today, XX/XX/XXXX, we called back to inquire on this charge, and after spending an hour and a half on the phone being bounced around their system, we finally spoke to XXXX at x XXXX. XXXX was less than helpful, but did say the fee was charged to file with the county that the house was vacant? I am not sure why something like this would be filed ; we have lived in our home, continuously, for just over eight years. Green Tree refuses to refund the payment, and is forcing us to pay this bogus fee, or else we are subject to their deceptive collection practices of late fees and the like. 

In addition, we paid them, accidentally, twice in XX/XX/XXXX due to the change in payment - since our bill pay feature was incorrect. So, in XX/XX/XXXX we paid twice the required amount. Now, Green Tree refuses to apply the second payment toward our XX/XX/XXXX bill, again, giving rise to the possibility of additional fees. 

Lastly, we applied for a second mortgage modification XX/XX/XXXX, given our XXXX mortgage was already modified. We received an IRS form XXXX for the relief of the XXXX mortgage balance to file with XX/XX/XXXX taxes, to this day ; we have not received any disposition other than the IRS for from Green Tree. We have spent hours on this matter to no avail. Each time we call, roughly once a month, we leave our names and numbers but do not ever hear back. This service is poor at best and illegal at worst. Please help us right our mortgage account.
Product: Debt collection

I received a letter from ACI. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.
Product: Debt collection

The debt collector called me in the past and I explained to them that I do not own nor owe this debt and I asked them to stop calling or contacting me. I assume that they sold this debt to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT XXXX XXXX XXXX XXXX, XXXX {$4600.00} NAVIENT XXXX XXXX XXXX. XXXX, XXXX {$1900.00} NAVIENT XXXX XXXX XXXX. XXXX, XXXX {$1600.00} NAVIENT XXXX XXXX XXXX XXXX, XXXX {$2800.00} The number of times missed which is being submitted on my credit report looks like inaccurate and or confusing. Kindly have data that the particular alleged account was in fact delayed and you have taken the recommended approaches in order to competently find out your allegations.
Product: Credit reporting or other personal consumer reports

I received notice from XXXX, Equifax, and XXXX that XXXX XXXX had pulled a hard inquiry on my credit report. I called XXXX XXXX and spoke with XXXX. She confirmed that an application for a XXXX XXXX was in their system. They marked the application as fraud. XXXX committed to alerting the XXXX credit report bureaus. I contacted all XXXX  credit reporting agencies and had my accounts frozen.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit 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 infeasible. The CFPBs finding 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

May be a victim of identity theft. My accounts have been frozen for years.
Product: Checking or savings account

I opened a new account after seeing multiple advertisements of {$400.00} bonus for opening a new account and making {$1000.00} in direct deposit. 

The offer said that I had 90 days to meet the requirements of the bonus offer and even offered a negative balance buffer ( advertisement attached ). They misled me into making the transactions I made with their advertisements and then took the bonus opportunity away by checking my account for eligibility at the exact time it was fit for them to not give me the bonus. All while promising 90 days to meet all eligibility criteria. 

I completed the required activities but the bank denied my bonus by checking the account for bonus eligibility on the day it was not ready. The bank has provided bonus to accounts of my friends when they didn't have any balance for the first few days but later did - the same situation as mine but the checks on the account happened on a different day. 

The bank 's customer service representative XXXX himself agreed with me on the chat that I should have had 90 days to complete the requirements for the bonus ( chat attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My name is XXXX XXXX and I am submitting my concerns and complaint against Wells Fargo on my belief of discrimination, retaliation and intimidation by their employees towards me. 

On XX/XX/21 I called in regard to receiving collections calls while my account was under review with the above commentary. I advised them that I did not feel it appropriate for them to be contacting me while my account was being investigated with my concerns. I in no way asked them to place a cease and desist on my account, as I know that would prevent me from getting vital information about my account. 

I spoke with front line collection agents that we only concerned with collecting on the balance. and not my previous concerns that I advised them of. I then requested to speak with a supervisor. I was transferred to account resolution manager XXXX. From the beginning of the call you seem agitated that he had to speak with me. 

XXXX was extremely rude, condensing, and unprofessional throughout my entire interaction with him. He even continued this temperament after I advised him that I felt that I was being discriminated against. 

As it pertains to my credit report, Wells Fargo advised that my account was closed in XXXX, yet they continue to charge me interest, and fees and balance continues to grow. They have also removed and then put back negative remarks as it pertains to my credit card. This is where I feel retaliated against. 

I would like the call between XXXX and I reviewed and action taken. I would like to also understand why I agreed to make to half payments to clear my balance to XXXX and he never attempted to take the payment. Instead it appears that Wells Fargo continued to charge interest and damage my credit report.
Product: Mortgage

I have been trying to get my loan straightened out for over 2 years. I must admit that I am partially responsible because I took some bad advice. I got behind in my payments and my problems seemed to just get bigger from there. I have been trying to get a loan modification through my bank and have sent in the same paperwork on at least XXXX occasions but ca n't seem to get enough. I have tried since XXXX 2014 XXXX last time and I had to file bankruptcy to keep the bank from putting my house up for auction. I thought I had all the paperwork in but I needed more. I have been trying to get my house payments figured out so I can start making them while I am trying to get the modification but I am having having no luck. I have called the bank to try to get some info and no one at the bank can seem to give me a straight answer about anything. I keep getting transferred from XXXX no nothing to the other. I had a person that was supposed to be my contact but he keeps transferring me to other departments and I have been on hold for up to XXXX min on numerous occasions and coming away with nothing. I have sent many emails to my so called contact that tells me he will check my account and get back to me but never does. I have sent letters to the banks ethics dept on several occasions about the problems I am having and they keep sending me the phone number of the same person. I have been trying to straighten all this out constantly over the last couple of weeks but am getting nowhere slow. Not XXXX person I have talked to at the bank can figure out how much my payments are supposed to be or anything concerning my account. All I want to do is to get some answers so I can start making my house payments on a regular basis as my house is going to go back on the auction block on the XXXX of XXXX. I am a XXXX year old XXXX XXXX vetran with some serious medical issues and the stress is not helping my situation XXXX bit. All I want to do is get some straight answers no handouts and nothing free and move on with what I have left of my life and not wind up on the streets. I have a lot of the emails I sent and received however I did n't start doing that until the last week. thanks for reading this. XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act 15 USC 1681 section 602a, which mandates fairness, impartiality, and respect for consumer privacy by consumer reporting agencies such as Experian. I assert my right to safeguard my private information as supported by 15 USC 6801. Furnishers of information to credit agencies, being financial institutions, must respect customer privacy and security according to the same title. However, they have not obtained my written consent, as required by 15 USC 1681 section 604a ( 2 ), to furnish this information. Additionally, 15 USC 6802 ( b ) ( c ) obliges financial institutions to inform consumers of their nondisclosure options, which was never done in my case. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting adverse information without consent, which Experian is violating. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e dictate accurate information reporting and reasonable procedures maintenance, which Experian is not complying with. Finally, 12 CFR 1016.7 grants me the right to opt out at any time, which I am exercising.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024, I have sent written requests to have inaccurate information removed form my report. As of today, none has been removed.
Product: Debt collection

Since I received my current home phone number 12 years ago, I have received periodic calls seeking a previous owner of the number who owes a debt. Most recently, I have received automated calls ( no human on the line ) for months from Van Ru Credit Corporation seeking this other person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX is still reporting on Experian and XXXX. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations. Ive filed an IRS Form 3949-A which I will be attaching. 

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. Experian and XXXX is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Product: Credit card

I have a Citicard credit card account and am a long time account holder. On XX/XX/year>, I called the customer service number on the back of the card. The person who answered was barely audible above the background din of noise. I literally could not hear her and had to ask her to repeat herself several times due to the loud talking and background noise. She said she would pass along my complaint about the noise. 

I asked to be transferred to a supervisor to be able to discuss the issue. I was put on hold and transferred twice and put on hold again. I finally hung up after waiting many minutes. 

I remain very concerned about the working environment of the people working in the call center. The noise in that place was ridiculously loud. Noise at this level is known to be a workplace hazard and it made the conversation unintelligible. 

Thank you for your help to improve this situation.
Product: Credit reporting or other personal consumer reports

money lion The creditor 's fail to accurately reflect multiple payments made by me. It's to my knowledge that the creditor failed to furnish me with a statement prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment XXXX  XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX personal information Previous Address ( es XXXX : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Employers : XXXXXXXX XXXX
Product: Credit card

I bought a phone on XXXX for XXXX and when I received the item it had defects on it. So I complained and finally they sent me return shipping information. Then returned the product to the seller. Now after 3 months the seller is saying he never received the item and now a dispute got filed from his side. So i had to pay the XXXX and return the item. Basically I got XXXX and burned it ...
Product: Vehicle loan or lease

Was told they would put two payments and the end of my loan. After my wife was stranded at a soccer field  for XXXX hours after repo with a XXXX year old and a XXXX year old and contact was made next day they told me the the extension was denied and vehicle was repoed
Product: Credit reporting, credit repair services, or other personal consumer reports

Alerted by Credit monitoring company that I have missed a payment with my auto company Bridge rest formely known as XXXX XXXX. After careful review of my report Bridgecrest has not reported any of my XXXX, XXXX payments made on time. Currently, my account is up to date and should have been reported accurately. My maturity date for my vehicle is XX/XX/2020. I will be finished paying off my vehicle. The incorrect information reported has caused my credit score to decrease. Would you please assist me with this matter? Thank you
Product: Money transfer, virtual currency, or money service

Cash App has been dishonest with their business practices. They got refunded from a vendor and they claimed they sent back XXXX dollars to my debit card. 

They have not sent money back to debit card like they promised.