23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I ordered a check online in the very early morning on XX/XX/2021. When I ordered, I saw it said the order would be shipped 1-2 business days, and the estimated arrival date was XX/XX/2021. I need that check this or next week, but XX/XX/2021 still seems to work for me. However, when I check the order status today, which is already the end of the fourth business day, and I found out it still not shipped but the estimated arrival date changed to XX/XX/2021. This is too late for me. I decided to go to the financial center to get a cashier 's check instead. Therefore, I ask the online live chat customer service to help me cancel my check order. But I waited few hours and did not get any email or text notification about the order canceling. I called the regular customer service number to ask them to check if my order is canceled or not. But, no one can answer this question. They transformed the call for me, and they asked me to call XXXX and XXXX. But the transformed call did not work, it just ended the phone directly. I called XXXX, it asked me if I want to reorder a check. When I said no, it directly ended the phone. When I said yes, it said I had an existing order and can not let me go ahead. Similar things happened with the XXXX. No matter what, I just do not have a way to check if my order is canceled successfully or not. What if I do not receive my check and I think it canceled successfully but in fact, someone else gets my checks and I do not know anything about it? It really makes me frustrated. I would like to ask them to cancel the order for me if the last canceling did not successful, but still, no one can help. Each customer service just told me to call the XXXX and XXXX later. I really dont know what should I do. By the way, their customer service number is really a waste of time. I called them two days with more than 40 calls. Most time I just heard the music and waited for the available specialist. Each time I need more than 30 min to get in touch with a specialist and he/she in the end did not help anything. Could I just submit my request and let them figure it out for me when they have the time instead of waiting for the available specialist for more than 30 min?
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed 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 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

Hello, I am writing to dispute the negative information on my credit report regarding my XXXX XXXX XXXX account the account number is XXXX respectively. 

I believe that the information on my credit report is incorrect and unfair. I have been a responsible borrower and have always made my payments on time. However, due to unforeseen circumstances, I was unable to make a timely payment on the XXXX XXXX  XXXX account. I had a major injury in the left arm during XXXX and had to get a XXXX done. I had to XXXX XXXX  for the next 3 months and could not work. I paid back my due bill on XXXX as soon as I was able to get back to work. I was late there for 120 days and then paid them back. But XXXX XXXX XXXX closed my card and reported the late payments. 

I understand that late payments can have a negative impact on my credit score, but I am requesting that you remove the item from my credit report as it is not a true reflection of my creditworthiness. I have since paid off these debts and have taken measures to ensure that I do not miss any payments in the future. 

I would like to bring to your attention the Fair Credit Reporting Act ( FCRA ) which requires that all information reported by credit bureaus be accurate, fair, and substantiated. The FCRA also mandates that consumers have the right to dispute any inaccurate information on their credit reports. 

I would greatly appreciate it if you could investigate the matter and remove these items from my credit report. I am willing to provide any supporting documentation to help resolve this matter. 

Thank you for your attention to this matter. 

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

Hello, I have tried several times to get to speak with Navient as well as the credit companies ( XXXX, XXXX and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that 120 past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, DE XXXX Per my credit report, this organization has ran my credit 7 times in the last 8 months. I've never heard of XXXX and have not provided them my personal information to allow them to run my credit. This are fraudulent inquiries and must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, Company Inquiries : 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 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
Product: Debt collection

During A vacation to XXXX XXXX Nevada My identification along with other documents were lost XXXX - XXXX - XXXX I discovered My identity had been stolen after a mortgage application in XXXX - XXXX Prior to this I assumed I have contacted XXXX XXXX on multiple occasions about this problem as they are listed as the original creditor why they are sharing my ssn information with multiple different entities when i never permitted them to obtain this information in the first place is extremely illegal they keep reporting the debt under different shell companies or collection agencies ( XXXX XXXX ) & ( I C SYSTEM ) This will be my first time reaching out to first progress credit card about this scenario
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX  XXXX XXXX ....
Product: Checking or savings account

I have tried to tell the bank that I was wrongfully charged for a wrong item with XXXX from the merchant XXXX. The bank is unable to resolve my issues
Product: Debt collection

Fox Collection Center XXXX/XXXX/XXXX XXXX I have contract them about this debt an I have n't received an reply but this is not my debt they have n't sent over any proof.
Product: Mortgage

I purchased this XXXX in XXXX XXXX. It was a XXXX XXXX with a down payment of XXXX with a total of XXXX remaining, and additional {$440.00} for HOA fees. The first loan company was Caliber home loans and has transferred to Newrez. I hired an inspector before purchasing and the report didnt mention sewage backups. ( 6 ) months after living in residence and twice a year since, backups was happening prior before moving here. I sent letters and spoke to management about the issue, but it was never addressed. The XXXX XXXX was fixing minor problems, and never helped the home owner with a devastation such as sewer backups inside my residence. I didnt know what to do and constantly stayed in fear while I was at work and trying to enjoy life. Ive paid so much out of pocket for adding additional insurance because of this. Im a XXXX XXXX  thats trying to make it, but this out of pocket expenses has broke me. The Management has changed to new personal, and immediately I made them aware of my issue. The answer they gave me was that they were unaware, and the problem still wasnt addressed. Finally on XXXX, XXXX there was a really bad backup which cause the ( 6 ) unit building to evacuate to hotels. ( 4 ) of the units were able to go home the next day I believe, if Im not mistaken and I had to remain in the hotel for 30 days. The XXXX of XXXX XXXX still had the lower levels condemned until the problem gets addressed. My insurance is even higher now. Caliber loans give me so much XXXX about making sure I can pay them back, but do to the circumstances? Im not sure, I have to work 10x harder for a place thats not worth it. I need guidance on this. What can I do? I feel taken advantage of by everyone.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

" All Rights Reserved ''
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, XXXX, XXXX  XXXX XXXX  FI add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, FORD MOTOR CREDIT add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

I called Bank of America to close one of my credit cards with them. After an exceptionally long hold I was told the wrong card was closed and she had to escalate to reopen the card. She did not at ANY point tell me there was a credit inquiry to reopen the card SHE closed in ERROR. Approximately 5 minutes after the call ended I received an alert that there was a hard pull on all 3 credit bureaus. I checked and my score dropped an average of XXXX points across bureaus. I called back and was nonchalantly advised it would take 10-15 days to fix their mistake. This is unacceptable and I consider this an unauthorized credit pull that two representatives had the opportunity to tell me about and neither did. It is highly unethical and may impact my interest rates on buying a house or a car for the next 3-4 months. Something needs to be done about this unethical practice of pulling credit without notifying the costumer, because I would have told them to leave the card closed because I dont actually use either Bank of America card on a regular basis and pay around XXXX annually. The rep was very well aware that I was contemplating closing that card too because I TOLD her. So, she had made a promo points offer to keep the card. Which makes it even more unethical not to provide me with a choice in the matter of pulling MY credit. Contacted XXXX XXXX XXXX case # XXXX and his supervisor XXXX. I dont know the two female reps names who caused the issue.
Product: Debt collection

The land lord and property manager got angry when I decided not to renew my lease because the house was in extremely poor living conditions. I paid the final XXXX that rent and moved out early due to relocation for woek. After that I received an alert that I owed a debt ofa little over XXXX. This has effected me and my family o have a XXXX and XXXX XXXX XXXX and it's impossible to secure a lease for a good price with this fraudulent debt on my credit.
Product: Credit reporting or other personal consumer reports

I am honestly asking the XXXX Credit Bureaus XXXX, XXXX and TransUnion to REMOVE these fraudulent items from my credit reports within 15 days time. I have sent a complaint dated XX/XX/XXXX. In it I stated that I need these items REMOVED as I did not owned or opened them nor I authorized anyone for it. So please remove the items listed in this complaint : XXXX : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.
Product: Credit reporting or other personal consumer reports

THERE ARE SEVREAL THINGS ON MY CREDIT REPORT THAT IS NOT CORRECT THE XXXX  XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX  XXXX {$300.00} AND THE CAR I PAID OFF STILL IS SHOWIN UP ON MY CREDIT AS OPEN I PAID THIS CAR OFF AND THIS NEEDS TO BE UPDATED ON MY CREDIT REPORT. I HAVE SEVERAL INQUIRES ON MY CREDIT THAT I DID NOT DO AS WELL. 
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  PLEASE REMOVE THESE ITEMS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

The following companies are reporting me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Mangement Under the doctrine of estoopel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the above alleged debt, nor therefore any such debt, in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 - Tuition Answer loans with Navient. All loans are reported correctly with all of the credit reporting agencies, except to XXXX, only 1 of the 3 loans are reported on my XXXX  credit report. I have contacted XXXX through disputes and phone calls who insist it is up to Navient to report the loans. I have contacted Navient, by phone who insist that XXXX has to change this on my credit report. Both loans missing from my credit report have outstanding balances which I make payments on every month. My XXXX Credit report is not reporting 2 of my 3 Navient loans which are in good standing. One of the loans missing from my credit report is over 12 years old and the other missing loan is over 11 years old. The incorrect reporting has been in this incorrect status for years, and neither agency will correct or remedy the situation. Please help! Thank you, XXXX XXXX XXXX
Product: Student loan

Your are listed as the original creditor of this debt whom sold this debt in to collections which its now in the hands of Trellis company. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to provide the original contract of indebtedness. Idemand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the amount of XXXX that Trellis company is collecting on through garnishment.

Trellis company has failed to provide the original consumer contract. How is Tellis company able to collect on a debt you sold in to collections without the original  consumer contract. How did they even come up with the dollar amount they claim i owe without the original consumer contract?
Product: Checking or savings account

I had three transaction disputes denied on XX/XX/22. These were unrecognizable, foreign transactions that I never authorized and when disputed the operator handling my claim included other transactions muddying the situation due to a language barrier. I tried to make things clear as to what happened but ultimately I am now a victim of theft and there is nothing Wells Fargo is interested in doing for me. I have no choice but to close my accounts with them because I now know if my security is compromised they will allow me to lose everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX apartment says I owe them {$15000.00} but Ive never lived there nor applied! I asked for a copy of the original application and it had an entire different social security number on it. Ive constantly tried to get this removed
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Prepaid card

I saw an unauthorized charge of {$8.00} on XX/XX/year> on my card for a purchase at XXXX - I did not make this purchase.
Product: Mortgage

Wells fargo is not willing to re modify my loan. They are saying no because 4 years ago they modified my loan to a 2 percent inreste rate. A nd I would like to know why.
Product: Money transfer, virtual currency, or money service

Hello, I had previously filed a complaint with number XXXX, which is now closed. However, the issue is far from resolved unfortunately. I have done my part over the last 5 months waiting patiently every time they ask me to wait .... 

First off, Chase 's reponse contained false information. They claimed that the wire process was made to the account provided, which is false, they made the deposit from the wire transfer to the wrong account, which was also confirmed by a Chase employee. You can check the wire confirmation and it is clear as daylight that it was my account, but never received the funds. The sender has always sent it to that account and has also sent funds to that accounts since then. 

Secondly, Chase bank asked for a Hold Harmless Letter ( HHL ) from XXXXXXXX XXXX  in XXXX. With this letter, Chase would be able to return funds to XXXX, then to the sender and ultimately I would be able to receive these funds that have been missing since XX/XX/2023. 
XXXX quickly sent an HHL letter to Chase on XX/XX/2023. 
I have contacted Chase bank every single week since then to find out if they have received the letter, only to be told that they can't confirm if they have received it. 
Then I get a call last week if I have an idea when the sending bank sent the HHL as they receive soo many of them and it would help narrow down the search. 
Still no response... 

I am beyond frustrated and this has caused an enormous and unecessary amount of stress on me and my family on an error caused by Chase bank, with no admission of fault or realistic and time sensitive actions to resolve this issue. 
Everytime I call the officer responsible for my case, including the supervisor, they keep telling me that we are waiting " on our partners to confirm if the letter has been received ''. 

Absolute nightmare. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Transunion disputing an account that does not belong to me. In the same letter, I asked Transunion to include information about the investigation, including the contact information of the data furnisher of the inaccurate information. 

On XX/XX/XXXX, Transunion sent a response stating they concluded the investigation, and the information was verified as accurate. The letter also said it would include a " Summary '' regarding the steps conducted in the investigation. However, upon reviewing the letter, there is no summary at all. There is no summary of the steps of the investigation. There is no data furnisher. The only proof I received were the words " verified as accurate ''. 

It seems like Transunion did not conduct a proper investigation ; Or their investigation was unable to uncover any evidence to justify the disputed information.