23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Many years ago I got behind on my mortgage payments with Wells Fargo and I was put on a modified loan and successfully paid that off before the time was up. I have been current on my payments since XXXX and my credit score is around 800. During that time Wells Fargo put a lean on my home and never took it off after my payments. They have a {$70000.00} lean on the home. This seems outrageous due to several late payments. Is this legal? I never new about this lean until a few years ago. XXXX received paperwork on it nor new anything about it until I went to refinance my home. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

( Cancellation of Debts Do to identify theft ) Debts were settled and are still being reported years later this is an violation of the FCRA Remove accounts off of credit report immediately. 


In accordance with the Fair Credit Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 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.
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 my 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 were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is unacceptable and very concerning for customer safety.
Product: Debt collection

I was contacted via my cell phone  ( first time ever ) f rom Asset Recovery Associates this morning. I was advised I have ignored their letter  (  I have not received any written communications from them in the past ) and they were offering me a one time " deal '' to settle a {$11000.00} debt for an electronic payment of {$1500.00} and {$2400.00} on  XXXX   XXXX . When questioned I was informed the debt was from a  XXXX  Credit Card I reportedly defaulted on in   XXXX  . When asked to provide verification of this debt I was told no and if I did not take the offer the court had already been notified and a judgment would be levied and my wages garnished for up to 40 %. I informed the supervisor  XXXX   XXXX  (  XXXX   XXXX  ) that " IF '' this was my debt the statute of limitations in Mississippi was three years and he was eleven years outside of that. Mr.  XXXX  then became irate and called me irresponsible, a bum and a " superthief '' for " taking '' the money from  XXXX . Mr.  XXXX  ten went on to say he would " GAURANTEE '' I would pay the {$11000.00}. I sent him a responding email to cease and desist all contact and the state statutes for time barred debts.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i hade one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments, ive attached a copy of my report to this complaint on the following dates : ( XX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In, XX/XX/2018 I noticed a fraudulent account being reported on my credit report. I disputed the account with the original creditor and the account was removed from my report. Recently I checked my report again and found the information being reported again. This account was opened as result of fraudulence and identity thief. This is a violation of Fair Credit Reporting Act per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations. This account needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed the following items with Equifax online ( XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX # XXXX. I was then given a confirmation number XXXX. See documents enclosed confirming this. 

On XXXX I disputed the following items with Equifax online : XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, and XXXX  # XXXX, and XXXX  # XXXX. I was given a confirmation number XXXX. See documents enclosed confirming this. 

On XXXX I went online to submit another dispute of erroneous information to found that the accounts I disputed back in XXXX XXXX and XXXX XXXX were still listed as under investigation. When I clicked on the " dispute not available button ''. it stated the account was still under investigation. See document enclosed confirming this.

I then checked the dispute status on both and confirmed with Equifax that these disputes had been completed XX/XX/20 and XX/XX/20. See dispute status enclosed. 

it appears that the accounts I disputed had been completed. However, Equifax has the accounts listed as still under investigation. This is a violation of the FCRA and my consumer rights. As they stated the disputes are to be completed within 30-45 days. it is well past that time and they have confirmed the disputes are complete. Whys are these accounts still listed as under investigation? Due to the fact that they failed to list the accounts in the correct status on my report- I request deletion of all accounts listed and included in this complaint. Failure to correct my report will result in civil litigation with a consumer attorney if not resolved expeditiously.
Product: Checking or savings account

After reading an article from multiple sources ( XXXX, XXXX XXXX, etc ) I signed up as a new customer for a Citibank XXXX account. They have an excellent welcome bonus up to {$2000.00}. 
The bonus was last year as well and they have restarted it as you can see below. 

Starting XX/XX/2023, I signed up and started making large deposits into the account. On XX/XX/2023 I called customer service to confirm the terms and conditions of the welcome bonus to make sure I qualified. I did. After that I deposited more money up until XX/XX/XXXX to a grand total of XXXX. I actually tried to deposit more money and was stopped from doing so. I called customer service again to make sure fraud or the like wasn't the issue and they couldn't determine why I couldn't transfer any other money into it. My account was blocked from making any more deposits. Since then the money has been sitting. I have made no withdrawals. Not only did I not get my welcome bonus, I haven't earned a single XXXX in interest. I called Citibank XXXX customer service to tell them about the situation. I was given a sorry, can't give you a welcome bonus since there's nothing listed on your account but you qualify for an upgraded citigold account. You may get a welcome bonus but you would have to wait through the period again. 

I then questioned about earning XXXX percent interest on the account. I was told that the interest rate was low so that's probably why I didn't earn anything. I said off XXXX, even if the interest was XXXX I would still earn something. I haven't earned anything. 

Again it was recommended I upgrade which I politely declined. Why would I upgrade and give more business when my initial issues haven't been resolved? 

I was told that a complaint could be input and so I did so. With that Citibank would have held onto XXXX, without paying any interest or bonus for over XXXX  days. Citibank is heavily promoting a deal that they are not keeping. Is that legal?
Product: Debt collection

I have spoken with several employees XX/XX/XXXX at Credit Acceptance on different dates confirming that my 1st date of delinquency was XX/XX/XXXX but this company continues to report it as XX/XX/XXXX to the bureaus.They have sent me an invoice that clearly shows XX/XX/XXXX as the 1st date of delinquency. Ive been bounced around by management telling me to contact the bureaus because theyre the parties that are reporting this to my credit. I called each bureau only to be told that they only update what the Lender sends in. This account has been on my credit for over 7 years and should have been removed months ago. Since my dispute in XX/XX/XXXX Credit Acceptance has removed this from XXXX but keeps reporting to XXXX and XXXX that the information is correct when in fact it isnt. This is negligence on their part and illegal. Obviously they are aware that it should no longer be reporting because it was removed from XXXX. This needs to be removed immediately.
Product: Money transfer, virtual currency, or money service

From PNC Bank, on XX/XX/XXXX, there were numerous unauthorized wire transfers in which PNC ignored their own security alerts. PNC was alerted that these transfers were unauthorized transfers before PNC transferred the money out of my account : 1. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 2. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 3. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 4. XX/XX/XXXX Unauthorized transfer of {$1000.00} + {$25.00} wire transfer fee 5. XX/XX/XXXX Unauthorized transfer of {$1500.00} + {$25.00} wire transfer fee My daughter is a witness to these unauthorized transfers. She, my daughter, is the user of this custodial account I set up for her financial protection. PNC will not return my calls of concern and told my daughter that I am responsible for the wire transfers. I have called PNC three times, spoke with the manager, and called their security-line 3 times. I have been hung up on, told how sorry they are ( but told there's 'nothing ' they can do ), and even denied 'where " the money transfers were sent ( they said they don't have documented proof to show me ). 
All of my banking access is secured with a 3rd system cell phone code, so my accounts could NOT have been logged onto to make the Money Transfers. My daughter has been given PNC account alerts to any unauthorized activity AND does respond " yes '' or " no '' to any activity ; however, there was NO alerts given on these Money Transfers of XX/XX/XXXX. 

Can someone help me?
Product: Credit card or prepaid card

The first incident happened back in XX/XX/XXXX with a credit repair service named XXXX XXXX. They charged my card {$72.00} and didn't render the services they claimed they would do. I contacted XXXX XXXX and disputed the charge and was told that it would take 180 days to resolve the problem. After 30 days I called to inquire about an update of what was going on with the investigation. I was then told that they were awaiting a response from the company in question and that I needed to wait another 30 days. After 60 days I received a letter in the mail and it stated they were still working on my case. Another 30 days passed and I called and spoke with a CSR, I was told if they didn't hear from the company in question that my card would be refunded the {$72.00} byXX/XX/XXXX which would be the 180 days of wait time. I contacted XXXX XXXX  last week, XX/XX/XXXX, and was informed that the case was closed and I would not receive m refund because it was shown that I received the goods from the company. I asked them what goods did I receive because it wasn't anything of goods that was purchased it was serviced and I never received those services and why wasn't I sent any correspondence stating what was going on and that a decision was made? I was led on for month after month and then nothing was done to give me my money back from being defrauded. Next problem was the fact that I'd cancelled a payment to XXXX on XX/XX/XXXX shortly after initiating it and the website states if a payment is cancelled before XXXX the money would be return to the card immediately. After contacting the customer service department more than 5 times all being told something different and now a week later my money still has not been returned. The amount of that transaction was {$190.00}. Now, today, XX/XX/XXXX I checked my account to see if my money was returned and still nothing yet a new problem pops up. I discovered that a fraudulant charge for {$39.00} has been applied from my card, I immediately called the company and was told that I have to wait 3 days until the payment has been processed and I would have to call back to dispute this charge and then I would have to wait 180 days before I will receive my money back on my card. I told the lady to cancel the card, immediately, I went on the unemployment site and updated my payment information and stopped them from sending any further payments to this company. There's a recording that comes on in the beginning of the call and it states that each call is being recorded, therefore the call records can be pulled and reviewed as well as all contacts I've made with this company should be documented as well.
Product: Credit card

I had a fraudulent charge on my credit card called the credit card company and disputed the charge and they sent me the new card I got the card Did Not activate it and looked online and there was a charge already on the inactivated card from the same company that I was disputing the charge on my other card They said it was on my new card as its a reoccurring charge. 
I told them it shouldve been flagged as I called them and reported that the company charging the original charge was a fraudulent charge
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of my lease agreement with XXXX XXXX for my XXXX XXXX XXXX lease, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up on XX/XX/18in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not made aware that I could opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, & Experian Im writing this letter in regards to XXXX XXXX XXXX on my credit report, 15 USC 1681i ( 5 ) specifically states ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

The reporting agency has reported inaccurate information on my credit report from XXXX XXXX XXXX which I will state below : - My full name is incorrect - My Date of Birth is incorrect - My current address is incorrect - My previous address is incorrect - My employers are incorrect - My also known as is incorrect - My former is incorrect - Account # is incorrect - Account type is incorrect - Bureau code is incorrect - Account status is incorrect - Monthly payment is incorrect - Date opened is incorrect - Balance is incorrect - No. of month terms is incorrect - High credit is incorrect - Credit limit is incorrect - Past due is incorrect - Last reported date is incorrect - Last payment date is incorrect - Last 2 years of payments are incorrect Sincerely, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE is THE account THAT I WANTED TO REMOVE! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX IN # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX Bankruptcy XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is a Mortage loan, they started marking late payments in 2023 due to them not being able to collect escrow, this account was not supposed to be holding escrow since I pay taxes and insurance myself, they have never paid anything for me, my original payment was fixed at XXXX dollars which I had paid for 10 years, in the beginning of 2023 they wanted XXXX a month, I paid off the loan back and got sent back all the escrow they were holding since they never paid any taxes on this property, but my principal and interest was always paid on time.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE
Product: Debt collection

I do not have any knowledge of this collection account. This debt does not belong to me
Product: Mortgage

I missed a payment and when that payment became past due. I was unable to make a payment of XXXX payments to get caught up so my single payment was returned to me. I have been unable to secure a loan for past due payments and now owe {$28000.00} to get my loan current. I have been insisting on a loan modification which the lender refuses to give me. I am submitting an appeal to the servicer in regards to the loan modification denial. I was only given XXXX options to either short sale or a deed in lieu. I do not want to lose my house and feel that the bank is trying to take my house. I will now file Chapter XXXX bankruptcy to try to keep my house. I feel that I am being treated unfairly and I will be homeless if they take my house. Please do not ask the servicer to send me another stack of paper showing that they have done nothing wrong in servicing my loan.
Product: Checking or savings account

I filed a dispute on XX/XX/year> because I did not receive the goods, but that company took the payment and cash app outright denied my dispute and will not reconsider. I have the right to dispute anything I want, especially with my goods and services are not received, but my payment was accepted and kept.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Account number : XXXX I've disputed this account ( XXXX : Account number : XXXX ) numerous times due to inaccurate information being reported on my credit file, even after the bureau have stated countless times that the account has been investigated and verified, after a year Im finally reaching out to the CFPB regarding this issue. 

I've attached a copy of my CFPB compliant ( supporting documents ), detailing the removal of account : XXXX : Account number : XXXX after XXXX finally was able to do a proper investigating of the account. 

For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? 

At this point I am no longer asking you to reach out to the furnisher to verify or investigate this account ( a year has been long enough ), im demanding that you delete it from my Credit Report Today!
Product: Credit card

I am writing to express my frustration and dissatisfaction with the services provided by Citizens Bank regarding my account. I am an international customer, and unfortunately, my account was transferred to Citizens Bank from XXXX without my consent. I never intended to open an account with Citizens Bank, and I regret this situation as it has turned into an ongoing nightmare. 

My primary concern is the repeated blocking of my credit card due to " suspicious transactions. '' However, I am unable to verify whether these transactions are legitimate because Citizens Bank does not provide me with a proper option to authenticate my identity. As I do not have a U.S. social security number or an American phone number, the bank insists on faxing as the sole method for identity verification. In 2025, this is an outdated and inefficient process. After spending time and money on this service, I am informed after 8 hours that the fax was not received, and I am told to " keep waiting. '' I have been trying to resolve this issue for over a month. 

Citizens Bank has my email address and regularly communicates with me through it. However, I can not use my email to verify my identity, which only adds to my frustration. Furthermore, the bank does not accept my foreign phone number for any verification purposes, and I do not have a U.S. phone number.

When I try to reach customer support by phone, I am only met with generic apologies and no real solutions or alternatives. I am left with the impression that Citizens Bank is stuck in the past, with no regard for the needs of its international customers. 

As a result, I am unable to use my credit card, and without it, my money is effectively locked in the bank. This is an unacceptable situation. 

I request immediate action to resolve this issue. I need a viable solution to access my account, verify my identity, and restore access to my card. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX.
Product: Debt collection

XXXX of a bill collection Agency convergent outsourcing Inc. from XXXX XXXXXXXX  and I dont have any XXXX XXXX service at all.