23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed a violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer I demand the following accounts be removed from my credit report immediately. In addition I demand to have a copy of my updated consumer report once the following changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit card with guarenteed approval by Credit Karma. 
I put a case in place Number XXXX on XX/XX/XXXX. 
The agent told me I would have an anwer on claiming XXXX dollar guarentee in a few days after they verified XXXX card " XXXX '' refused my card reguest. 
I was refused right after hitting submit and got a letter from card company a couple days later. My credit is rated excellent. 
I emailed Creidt Karma asking why no action has been taken four times. 
No repsonse. 
There is no way to call Credit Karma, no phone numbers work including corporate office. 
I looked on the internet and see that this very issue is being litigated by the FTC. 

I would like a resolution. 
I would like to be party to the penalty Credit Karma is being ordered to pay customers. Large fine set aside. 

Thank you and regards
Product: Debt collection

I noticed this company reporting multiple debts on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.
Product: Credit card or prepaid card

On XX/XX/23, we opened a credit card with Wells Fargo Bank. During the process, their computer system did not correctly put my legal name on the credit card, even though it appears on my Wells Fargo account and debit card the correct way. It has enough room to fit it ( 19 of 21 characters ). My banker could not fix this, the system would not let her. When my name came up incorrectly on the pin pad, there was no way for her to fix it. She called what I assume was the bank/employee help line and she was told we could fix it in XXXX XXXX by calling a number. That my credit card would be reissued with my correct last name at that point. So XXXX XXXX later, I called the number I was given. I was told suddenly it would not be fixed, it would be 7-10 days before paperwork arrived at my house ( probably more with mail as it is ). This is NOT what the company told our banker. I was told it would/could be fixed the next day. I escalated this immediately to the " Executive Office '' as this is NOT what I was told. I got a long confirmation/case number and was told I would get a call in two days. When this did not happen, I called them today, Friday, XX/XX/23. I was then told oh no, it takes 7-10 business days for them to call you back, then 7-10 business days for paperwork, then 7-10 business days for them to fix it when they get the paperwork and yet another 7-10 days for them to mail me the correct card. Suddenly an error with the application process ( mostly their computer system making the mistake and not letting their bankers fix it, and the woman at Wells Fargot employee help line giving the banker the wrong information for me that was supposed to be XXXX XXXX later is now 40 days to rectify this!!! I caught this error before the process was completed and their bankers were unable to make this correct on their end due to the Wells Fargo computer system, further, the bankers life line to the company was incorrect on how to fix this! I want to repeat that my name fits on my Wells Fargo debit card and account. It is 19 of 21 characters but their system does not correctly put names on the card. I have tried to remediate this myself and Im getting lies and non-response.
Product: Mortgage

CFPB and the Georgia Office of the Attorney General have been crucial in assisting and intervening so at the very least Ocwen Mortgage Servicing LLC can respond to their careless accounting methods. I filed a complaint through CFPB : XXXX and thankful to CFPB that Ocwen finally responded after a year of trying to speak and getting the run around with representatives at their company. For the most part, my calls were sent to XXXX and individuals who said or did nothing for my concerns. At the present time, in the belief that the situation had been rectified and resolved, in which I will attach the statement from Ocwen showing thus ; p I received a letter from Ocwen stating that I owe {$3000.00} and that I am in default. This is simply incomprehensible. Their latest correspondence dated XX/XX/XXXX is in complete contrast to their XX/XX/XXXX statement which reflects a credit balance of {$720.00} ( attached ). Once again, it appears Ocwen is not only discriminative and disorderly in practice on servicing this mortgage, but harassing and negligent. They have made calls to my home at XXXX XXXX in the morning in collection mode. I am not in default ; the mortgage payment due on XX/XX/XXXX is {$190.00} per the XX/XX/XXXX Ocwen statement credit which is less than the monthly amount due of {$950.00}. Once again, the credit for OVER payments made to Ocwen over the last year compensate for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX( partially ). Ocwen needs to check their accounting once again and stop the HARASSMENT and poor servicing of this loan.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also 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: Money transfer, virtual currency, or money service

I am writing to 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 unfeasible. The CFPBs 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: Payday loan, title loan, or personal loan

A loan for {$120.00} that I did not apply for was opened up in my name on XX/XX/2022 Creditor Information KIKOFF LENDING LLC
Product: Debt collection

XXXX with XXXX XXXX XXXX at phone number XXXX is harassing third parties connected to me by constantly calling them to obtain my location information after they have informed her that they do not know any of my information.
Product: Debt collection

A company called Sequium Asset Solutions placed a debt in collections out of nowhere on my credit report, saying I owed over {$4000.00} from a debt with XXXX XXXX XXXX XXXX XXXX XXXX ) that isnt mine. I have never had any account with XXXX XXXX XXXX and this debt is not mine. I disputed the debt with the credit agencies and the collections company, Sequium Asset Solutions, has refused to remove it from my report.
Product: Vehicle loan or lease

Someone ran my credit multiple times for car loans without my knowledge or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I faxed a letter to Equifax because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. After receiving no response, on XX/XX/XXXX I sent a second letter via certified mail. On XX/XX/XXXX I received a form letter stating why companies access credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2023, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

COMPANY CONTINUEN TO VIOLATE " FDCPA & FCBA '' WITH HARRASMENT, THREATS, DEMAND OF PAYMENT ON ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH COMPANY AND MISTAKE OF IDENTIY DUE TO DECEASE ( XX/XX/2020 XXXX FATHER HAS SAME NAME,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 in convenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/2020 I received a certified check to deposit {$4400.00}. XXXX. TD bank credit my account on XX/XX/2020. 

The person who sent the check requested a XXXX transaction for {$1000.00} and then another transaction for {$1500.00}. 

The bank confirmed the funds was available for use but I realized it was a counterfeit certified check and I notified my bank on XX/XX/2020. The fraud department froze my account and said the funds was pending. But the bank went ahead and sent both of the transactions out even though the second transaction was to be sent on Monday, XX/XX/2020. 

The bank should immediately notify me that the check was counterfeit and why did they make the funds available for me and I called the same day that the funds sent was a scam. The bank still went ahead with the pending transaction
Product: Credit reporting or other personal consumer reports

You are in violation under 15 U.S.

Code 1681i ( 5 Removal of Inaccurate invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy You have violated law 15 U.S.C.

Sec. 1681 ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether loan balance, last date reported, date last active is inaccurate. 
XXXX XXXX XXXX Please remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received the results of reinvestigation from Equifax stating that they have verified a discharged XXXX XXXX bankruptcy on my credit report. According to Equifax, Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. 
On XX/XX/2022, I got a letter from courthouse stating that they do not report bankruptcies to anybody. I also obtained my XXXX credit report on XX/XX/2022 and there were no discharged XXXX XXXX bankruptcy as claimed by Equifax. If that is the case, why will Equifax claim that the bankruptcy is 100 % accurate. They never did a fair investigation.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, XXXX, beneficiary, and Executor of the XXXX XXXX XXXX have been seeking immediate action from the Fiducairy Trustees and Data Custodians over the inaccurate and unauthorized consumer reporting of accounts, false and misleading information, obligations, and transactions ; Breach of privacy on the Estate and defamation of character has occurred by actions taken or not taken. Trustees are currently acting in a malfeasant way and are in breach of Trust and fiduciary duty by said actions.

The National Credit Reporting Agencies have failed to adequately remedy or investigate the matter under equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acount # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$2600.00} i have never done business with this 3rd party and they continue to report past due for 3 years causing much injury to my credit report and livlihood, they have no right to create a debt from an unknown source i have not had credit with in 2018 as showing reported. 

my social security number is not linked to that initial account
Product: Debt collection

XX/XX/XXXX XXXX payment. {$1600.00} XX/XX/XXXX XXXX payment. {$390.00} XX/XX/XXXX XXXX PAYMENT {$750.00} Future attempt to seize paycheck {$810.00} I have asked since day one to provide proof of purchase. Only thing delivered has been a balance statement. None of the statements have any item for what was purchased
Product: Debt collection

On or around XXXX XXXX, Rent Recovery Solutions placed several calls to me stating I owed money to XXXX XXXX XXXX XXXX. I told them over the phone I had no clue who they were and I have never done business with them. The Rent Recovery Solutions spokesperson stated that it would be reporting to my credit report. Sure enough, it has reported to XXXX and XXXX. I filed a dispute with both companies and XXXX deleted the collection after investigating and determining it to be fraudulent. XXXX has been investigating it for over a month at this point. I am attempting to purchase a home however this fraudulent information is damaging my ability to do so. I request that the CFPB on my behalf contact XXXX and anyone required to remove this collection from my reports. I have filed a police report with The XXXX of XXXX Police. 
The collection is titled : RENT RECOVERY SOLUTIONS Ammount : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
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 recent cfpb law suite 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 cfpbs 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: Credit reporting, credit repair services, or other personal consumer reports

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/XXXX  is reporting {$27000.00} and Equifax is reporting XXXX if you all are getting the information from the same collector why are the numbers different? this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. plz see attachment below
Product: Checking or savings account

Name : XXXX XXXX Business Name : XXXX XXXX XXXX ( XXXX  ) On XX/XX/year>, I, XXXX XXXX, the owner of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, discovered unauthorized transactions originating from my business account at Wells Fargo. These transactions involved ACH business-to-business transfers, totaling over {$110000.00} USD. Neither XXXX XXXX XXXX ( XXXX ) nor I have any affiliation with the recipient accounts, and we have no knowledge or consent of these charges. The fraudulent transactions were carried out by an anonymous entity. The unauthorized transfers were promptly reported to Wells Fargo on XX/XX/year>. I am requesting the initiation of a formal investigation to recover the stolen funds and identify the individuals responsible. I have reported this too Wells Fargo was reported this fraud. They have gave me only XXXX back to me out of the whole amount and have closed off the claim. 
Details of Fraudulent Activity : Bank Name : Wells Fargo Type of Transactions : ACH business-to-business transfers Total Estimated Amount : $ XXXX USD Date Reported to Bank : XX/XX/year> Request : I am filing this report to formally document the fraudulent activity and to request the assistance of law enforcement in investigating this matter, recovering the stolen funds, and apprehending those responsible for the unauthorized transactions. Thank you for your time and attention. 
Signature : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed there are multiple accounts on my report i do not recognize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Product: Checking or savings account

Last year, in XXXX of XXXX, someone tried to fraudulently deposit a check I wrote to my landlord for XXXX rent into their Wells Fargo Checking account. Wells Fargo contacted me regarding this, and I filled out the necessary affidavits to have the funds released to me ( {$2000.00} ). I was told I would have my funds within 120 days. That was well over 300 days ago. The bank I was with at the time ( XXXX XXXX  ) has since informed me that they aren't receiving any additional information from Wells Fargo and requested I complain through CFPB. I did this, and received a call from XXXX with XXXX Complaint Management with Wells Fargo ( XXXX ). She left me a voicemail saying she was looking at my case, but did not request any information from me. The next time I heard from her she said that she had closed my complaint because she did not get any additional information about the situation, during which time I reminded her I had never been asked to provide anything. She took down my information and story, and told me she would reopen the case so I could have this dealt with. I then waited 2-3 weeks, and called her again, looking for an update. I then proceeded to call her every day that week, sometimes more than once. I received one voicemail in return, the 2nd day I tried making contact. That was over a week and a half ago and I have not received any additional contact or information on where my funds are or how I can get them back. I don't bank with Wells Fargo, never have, and there is NO reason for them to STILL have my money, 50 weeks after this initially began.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did check my XXXX  i seen alot inquiries i didnt even authorize
capital one XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
capital one ato finance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
capital one XXXX XXXX XXXX