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

I am submitting this complaint regarding an issue I experienced with Zelle. I attempted to receive funds that were sent to me via Zelle. However, due to a system update involving my phone number, the funds were mistakenly directed to an old or closed account linked to my number, instead of my current, active account in the amount of about {$800.00} about a year or so ago. 
I was not made aware of any issues related to this system update, nor was I provided with a warning that my phone number was still linked to an outdated account. As a result, I never received the funds that were sent to me. There was no clear notification or confirmation of this error, and I was unaware that my phone number was tied to an inactive account. 
I contacted my bank for assistance in resolving this issue, but to date, I have not received my funds or any resolution to the matter.
Product: Credit reporting or other personal consumer reports

Date XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, OH XXXX Re : Wrongful Repossession and Inaccurate Credit Reporting by Ally Financial Dear CFPB, I am writing to file a complaint against Ally Financial for wrongful repossession of my vehicle and inaccurate credit reporting, which are violations of the Fair Credit Reporting Act ( FCRA ). 
My Vehicle ( XXXX, XXXX, XXXX ) was wrongfully repossessed by Ally Financial on ( XXXX ). In XXXX of XXXX I noticed that my account was reporting a past due balance in my ally financial app. I knew this was inaccurate because I had made multiple payments the previous month so I was actually ahead on payments. I called Ally Financial for weeks with no avail. I then reached out to my financial institute, which was XXXX XXXX at the time. They stated that they had to do a back office investigation to track the funds. The findings were that Ally had in fact received the funds but upon contact with them, they continually claimed that the funds were not received. My bank advised me to fill out a wrongful debit form and be refunded, which I did and I still have the documents that were sent to the bank. Less than a week after the repossession Ally Financial released my funds back to my financial institution. Months later I received notice that I was to be included in a class action suit, Ally Financial IncXXXX XXXX XXXX CASE NO : XXXX. Ally was subsequently found at fault and ordered to pay damages. 
Despite this, the repossession is inaccurately reflected on my credit report ( s ) as a negative account. This inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( e ) ( 1 ), which requires credit reporting agencies to ensure the accuracy and completeness of information included in consumer reports.

Furthermore, the repossession notice lacks important details or misrepresents the reason for repossession, it is a violation of 15 U.S.C. 1681i ( a ) ( 2 ), which mandates that credit reporting agencies furnish reports with a clear and accurate explanation of any negative information. As a result of these violations I have been denied extensions of credit on multiple occasions. 
I request that the CFPB investigate this matter and ensure that Ally Financial corrects the inaccurate information on my credit report in accordance with the FCRA. Additionally, I request that the CFPB determine if the credit report furnished by Ally Financial regarding the repossession adheres to the FCRA 's accuracy and completeness requirements. 
I have attached copies of the following documents for your reference : Proof of on-time payments made before the repossession ( e.g., bank statements, cancelled checks ) Documentation showing the excess funds recovered by your bank Proof of participation in the class action lawsuit against Ally Financial Copy of my credit report showing the inaccurate repossession information Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX
Product: Debt collection

My credit record shows a charge due to XXXX, which I do not believe I owe. XXXX has said there is no record of me owing this amount, and the collection agency continues to ignore my repeated efforts to get information to learn what these charges are for. I am attaching the letters I have sent and have not been successful in removing this charge from my credit record.
Product: Checking or savings account

there are multiple problems with my accounts at Capital One which your website did not let me list them all : 1 ) They cancelled my checking account for a false " cause '' which was their fault, not mine. They paid a fraudulent charge when I had told them my account was dormant. They did NOT notify me that that took my account into the red, so I could not challenge that charge until months later. When I called their attention to it they admitted there was something very irregular with that charge. They removed it, but failed to reinstate my checking account. 

Capital One FAILED to notify me. They later gave me credit for THEIR error, but cancelled my checking account for " cause ''. 

2 ) They refuse to clarify if they submitted false credit reports against me. 

3 ) I told them to cancel my remaining savings account. They said they did in XX/XX/2019, but on XX/XX/2019 they spammed me about my " account ''. I discovered that the savings account is still open. 

There is no button online for me to cancel that account. They refuse to cancel it over the phone since I refuse to give them sensitive personal info about me. Obviously I do no trust them enough to give them that info. 
They're therefor refusing to cancel my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion, XXXX, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE {$2500.00} ACCOUNT OPENED ON XX/XX/2021 REPORTED AS COLLECTION. 15 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 an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Around 2012 I paid this card with proof from bank and it was sent to collections by original bank. Now Cach LLC will not accept it was paid with proof and it remains on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three separate letters to Equifax dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking Equifax to provide me with VERIFICATION of the below mentioned accounts reporting on my credit report. Equifax has repeatedly ignored my requests and repeatedly violated section 15 U.S.C. 1681 of the FCRA.

They have instead, negligently forwarded my requests of EQUIFAX to verify over to the furnishers of credit. These SAME furnishers have responded each time by UPDATING different information on my credit report which further lets me know that not only does Equifax not keep documents to verify that a furnisher is reporting accurately but they also do not verify that the information being sent to their crediting reporting agency is accurate either from the numerous updates and corrections supplied by these furnishers. 

Equifax 's negligence to disclose to me all of the documents that they have recorded and retained in their file concerning the accounts in question has made it difficult for me to receive the best possible rates on loans which in turn has caused me to suffer to spend more out of pocket than I would have to if Equifax would simply comply with the federal law. 

I am sure that Equifax is well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilites to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burder back to the consumer and the credit grantor can not fulfill the obligations impost by 1681 ( a ) ( 4 ).

The following accounts are in question : 1- XXXX XXXX XXXX XXXX XX/XX/XXXX 2- XXXX XXXX XXXX opened XX/XX/XXXX 3- XXXX opened XX/XX/XXXX 4- XXXX XXXX XXXX XXXX opened XX/XX/XXXX 5- XXXX XXXX XXXX opened XX/XX/XXXX 6- XXXX XXXX  XXXX opened XX/XX/XXXX 7- XXXX XXXX XXXX opened XX/XX/XXXX 8- XXXX XXXX  XXXX opened XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022, I was trying to make purchases on an app called XXXX for XXXX, for which I have done several times before BancorpSouth Bank merged with Cadence Bank. However, this morning I was presented with issues and my card was being declined. I contacted the Fraud Department and spoke to a young lady who removed the alert and I was told to close the app and do it again. I was successful. I tried to make another purchase and this time I was blocked again. I called back into the Fraud Department only to be told this time that " this type of card cant be used for buying crypto via the policy. '' When I asked to see or be sent this policy as I have been doing this for the past 2 years using the same account, I was told that it was not his job. After getting upset by the agents refusal at XXXX I asked for a supervisor and the agent said " NO '' and hung up the line. I persisted to call back 2 more times at which point I waited on hold for over 10 minutes just to have the line answered and immediately hung up on once again without even a hello or a word being said. I have plenty of money in my account and my purchases were all in the {$100.00} or less range. Outside of them causing my account to be flagged for fraud after I confirmed the purchases and explanation of why I was purchasing them, which is none of their business anyways, I was told by the last Agent that they actually refunded the past transactions and stopped them as well! 
I want this bank investigated! This isn't legal and they have no right to do this. If anything, I am under the terms of the old bank at which my account was created and was never informed of any changes being made to my account or the way it is handled. These deliberate actions have resulted in significate losses in revenue and income for me as I have missed the ability to purchase a stock/crypto that was at a low price and has now jumped in value due to their illegal actions and FAKE policies that they can not produce to explain their actions. It is my money and I need to have access at any given moment in accordance with Banking Laws! 

I would like to see that male agent I spoke to at XXXX terminated for his actions as I am sure they violate the corporate policies that are ACTUALLY in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter today to inform your company that I have inaccurate names, addresses and accounts reporting on my credit report that need to be removed. I never authorized any of this information. Your company does not have the right to report my privacy nor take action against unauthorized transactions. I did not give this company written consent to my credit report nor did I give this company written consent to have access to my consumer report. Please follow the following FRCA laws that instruct this information to be removed : - 15 usc 1681b ( a ) ( 2 ) No permissible purpose/No written instructions -Privacy act of 1974 Cc : CFPB XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX FTC XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the creditors and the credit bureau in regards to fraudulent information on my credit report I've submitted not only valid police reports hand written letters and proof of my identity the item was eventually removed from my credit report on all three bureaus but I recently received credit monitoring alerts that the fraudulent account had been added back to my credit report without any notice from the credit bureaus that it was being added back after being removed for almost a year and now they're refusing to remove it again even with my police report and proof of me being a victim of identity theft the credit bureaus have also refused to remove all inaccurate information such as name, employment and addresses from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX,XX/XX/XXXX FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Officially changed my name with my banks and credit cards over 1 year ago. This change is still not reflected on my credit reports, causing me to be unable to secure a car loan. I sent in proof of name change, new social security card, and letter with request of action to all credit reporting agencies and did not hear back.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. I have file multiple disputes, spanning 4 years with no resolution. 

My personal information was compromised during a contested divorce proceeding from XXXX to XXXX, during which time my then-spouse had access to sensitive documents containing my personal information. 

My credit report has been negatively impacted by a mortgage default on the property located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Per our divorce decree dated XX/XX/XXXX, my ex-spouse, XXXX XXXX, assumed full responsibility for the mortgage payments to Arvest Bank, account number XXXX. Despite this legal obligation, my ex-spouse defaulted and had many late payments, resulting in negative entries on my credit report beginning XX/XX/XXXX. 

I suspect my ex-spouse, may be responsible for this identity theft and the mortgage default. The timing of the fraudulent activity and the mortgage default, coinciding with our contentious divorce proceedings, leads me to this belief. In contrast, all accounts for which I am solely responsible, on my credit report including credit cards and mortgages both before and after my divorce, have consistently maintained a positive standing with timely payments. This underscores that I am not responsible for the adverse accounts in question. My ex-spouse has also gone through separate litigation for his own adverse credit accounts in XXXX and has also committed tax fraud against me XX/XX/XXXX. I am currently negotiating with the IRS to rectify the tax fraud committed against me. This furthers my claim of this fraudulent activity towards me from my ex-spouse. 

Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : XXXX. Proof of my identity. 
XXXX. A copy of my identity theft report. 
XXXX. Identification of the fraudulent information. 
XXXX. This statement that the information is not related to any transactions I have made. 
Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within XXXX business days upon receipt of this letter. I also request a full investigation into this matter. 
I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.
Product: Student loan

My mother consigned with me. We are both out of work right now and we both told the company that we needed to temporarily stop payments until we both get jobs. They have stopped calling my mother but I get at least 3 phone calls a day from them saying I need to make a payment or face a delinquency mark on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the dealership not to run my credit multiple times. My request was not honored. I do not have any knowledge of this company that is reflecting on my credit report as a hard inquiry.
Product: Credit reporting

A bankrupcy is showing on my creidt report when I did not end up going through with a bankrupcy. At the time I couldnt find a job and without income I thought filing bankrupcy was the only option I started it and that same week I found a job that would allow me to pay my creditors back and allow me not to go thru with the bankrupcy so the judge cancelled the bankrupcy out and no action was ever taken. I provided the federal court documents to XXXX they did delete this from my credit file but XXXX wrote me a letter stating they would not remove witch is affecting my credit worthyness when no bankrucy ever occured no debts were charged off or dissmissed?
Product: Bank account or service

What happened ... 
I wrote a letter to WFB XXXX XXXX, XXXX, explaining that they were reporting GOOD information for an old Home Equity loan from circa XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. 
What happened next : I received a letter from WFB dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " The date of first delinquency is over 7 years on this account. This account is no longer reporting. A request has been sent to the credit reporting agencies to delete this account. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report. 
I understand if they do not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history. I understand this information is older but it is still useful in a manual review.
Product: Debt collection

This account is Web bank for the amount {$190.00}, that has went into collection on my credit report that I have disputed several times of ownership, and wish to get this account removed as quick as possible.
Product: Checking or savings account

The Federal Reserve suspended the limit on account transfers. Bank of America continues to threaten me and I'm sure all of its customers with fees for going over a transfer limit that has been suspended. I have tried several times to contact them by phone. Its seems they can't spare enough money from their XXXX XXXX XXXX dollars in yearly profit to hire ample customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TRANSUNION, XXXX, and XXXX letters via certified mail XX/XX/2022 demanding for them to remove these inaccurate accounts from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX and to also correct my personal identifying information on my consumer report. I am demanding that each agency be in accordance with the law 15 usc 1681 ( a ) ( 2 ). I never gave these agencies my written consent to furnish these negative accounts to my consumer report and I, the consumer also have rights to my privacy. This has caused damages in my life with getting denied a home loan and causing decreases in credit limits.
Product: Debt collection

I filed a complaint yesterday on XX/XX/XXXX. The company responded immediately, and stated that the collection would be removed from my credit bureaus! Instead of deleting the information. This same company added it to my other credit bureaus! 
Now, as of today XX/XX/XXXX my credit has dropped due to Inaccurate information, and that National Recovery Agency said they would REMOVE! 
Also, this account was removed in XXXX, and just reappeared a year later
Product: Checking or savings account

Case # XXXX & XXXX RE : Claim # XXXX I am filing this complaint on behalf of myself and the three million individuals who were victims of Wells Fargo Unauthorized Accounts Fraud. By this I hope to receive a fair judgment in my favor and to bring back some needed attention to this impertinent issue for the millions of people that suffered silently through those wicked hands in which they invested their trust. Not forgetting the vastly unsuspecting public citizens and nationals, whose docile suffering apparently passes by daily noticed. Noticed by those who are placed in their charge and under whose Institutions and corporations they are made to succumb. 
We all are aware of the fact that Wells Fargo Is found Liable for committing fraud. A class action suit was brought against Wells Fargo Bank and its subsidiaries for committing these unlawful acts. More than three million of its customers were afflicted. A crime, for which, if I was found liable, would have cost me fines and imprisonment by exacting conveniently against me the full weight of the law. 
Because the liable party in my opinion is still at large I would like to ask these questions of the CFPB, in order to begin an investigation. 
1. Who give Wells Fargo a free pass to recreate its image as a trustworthy bank? 
2. Wells Fargo is in haste, spending millions in advertisement dollars to erase from the publics memory her recent untrustworthy pass. Is this ethical despite having not fully compensated all fraud victims adequately? 
3. I further humbly ask the CFPB why Wells Fargo and subsidiaries are not suffering adequately for their crimes. Is it fare for Wells Fargo to go about business as usual without proper accountability? 
4. Should Wells Fargo Bank be allowed to erase from my memory it's much recent notorious pass before first compensating me? 

Because of the above unanswered questions I fear bias and injustice from the settlement administrator and thus called for the CFPB to conduct an inquiry into their conduct of affairs. Wells Fargo institution has proven to be untrustworthy and a grave danger to the public and should never be allowed to function without proper impunity and accountability after what they have shamefully done to customers. I fear a lack of protection for those who are injured and are concerned that the settlement administrator may not be handling victims cases ethically. First of all there is poor administration for lack of correspondence with the injured. That is enough red flag for any suspecting person.