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

I contacted XXXX about this " CAPITAL ONE Acct # : XXXX '' fraudulent account. I provided ; FTC report, Police report, Statement of facts, along with other verifying documents. XXXX & Capital One refused to remove the fraudulent account from my name.
Product: Money transfer, virtual currency, or money service

Despite using Zelle multipletimes and reporting discredit, my bank 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: Money transfer, virtual currency, or money service

I HAD VENMO FOR YEARS. I TRANSFERRED {$4900.00} TO MY BANK ACCOUNT, VENMO STATED I SHOULD HAVE RECIEVED THE FUNDS THE NEXT BUSINESS DAY WHICH I DID NOT. VENMO FROZE MY ACCOUNT WITHOUT WARNING, THEN LATER THE SAME DAY CLOSED THE ACCOUNT WITH NO WAY OF ME RETAINING MY FUNDS. 

HOLDING MY FUNDS FOR NO LEGIT REASON OTHER THAN THEIR OWN FINANCIAL GAINS. AS IT STATES IN VENMOS 'TOS ' THEY CAN USE MY FUNDS TO TRADE AND GAIN INTEREST WHICH IAM NOT ENTITLED TO RECIVED ''. TO ME THATS AN INCENTIVE FOR VENMO TO FREEZE MY ACCOUNT AND OTHERS SO THAT THEY CAN PROFIT AND CAPITALIZE WITH NO REGARDS TO THE ACCOUNT HOLDER I CAN NOT ENDURE AFFORD FOR VENMO/PAYPAL TO PROFIT OFF MY FUNDS BY TRADING/CAPITALIZING. WHILE I SIT HERE IN A FINANCIAL PURGATORY THIS ISNT HOW CUSTOMERS ARE SUPPOSED TO BE TREATED IN A DIRE TIME LIKE THIS. 
INFLATION IS UP, COVID-19 IS UP, PEOPLE ARE STRUGGLING GLOBALLY. I WOULD LIKE MY FUNDS RELEASED PLEASE ASAP. AMOUNT : {$4900.00},,,,, IAM REQUESTING MY FUNDS RELEASED IMMEDIATELY TO PREVENT FURTHER LEGAL ACTION. SUBJECT TO ARBITRATION
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$580.00}
Product: Mortgage

I called Wells Fargo on this morning and spoke with XXXX, ID # XXXX Wells Fargo ; she advised that the property was in foreclosure and had a sale date of XX/XX/XXXX. I told her I was aware, I heard it on the recording after I keyed in the borrower 's information. I also advised that I was calling to check on the modification request that was sent to them once again on XX/XX/2019. She stated that she would need to send me to the re-entry department for them to advise what else they needed. She transferred me to XXXX, ID # XXXX. I told him I was checking the status of the request for modification sent on XX/XX/XXXX. He advised that since the property was up for sale and the foreclosure date was XX/XX/XXXX, and since it was not within the 37 days -- the only thing to be done at this point was a liquidation or re-instatement. I have requested mortgage assistance XXXX XXXX, XXXX XXXX, XXXX and XXXX of which showed another change in my circumstances of which I've retried and my income is less. Wells Fargo has given me the run around and has been hard to work with also I was not given and opportunity to appeal the mortgage assistance denial. I don't want to LOSE MY HOME. Received notice of property foreclosure sale from XXXX XXXX XXXX XXXX dated XX/XX/2019. 
Tennessee Foreclosure law states the homeowner is to receive a 30 day notice to the sale of a property. I feel I'm being discriminated against because of my age and I'm a XXXX American woman.
Product: Credit card or prepaid card

This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. The balance is truly incorrect, if possible, replace it to 0 or eliminate this account certainly. 

CAPITAL ONE XXXX
Product: Debt collection

Bull City collection purchased a so calledDebt from XXXX XXXX and has never contacted me but has put the into my credit report listing a recent date as the date of the the debt. He has also listed a made up amount for this debt of more than {$600.00}. First this would have been more than 4 years ago. 
As I have not had electric in my name for over 4 years. Secondly XXXX XXXX would never have allowed us to have a balance that high. We did n't even heat with electric ... it was propane. I recall making a final payment for a partial month when we moved at the time I called them to have it turned off. I tried to get a copy of that from my bank but they had already archived it & said it was not retrieveable. I am XXXX years old & have worked real hard on my credit because I live with my son & his wife & XXXX kids & we were trying to get a loan to buy a house ( size of our family causes us problems finding one we can afford & is large enough ). We had signed a contract on a house that was accepted & we were waiting to close. Then when they checked my credit again the Bull City. collection was on there. We lost the House. We now live in a XXXX in XXXX, KY infested with mice and roaches. We pay $ XXXX for this. This is not fair. I filed bankruptcy over 7 years ago when I lost my house of 34 years in the XXXX XXXX melt down. The only negative thing on my credit is that XXXX XXXX report which is wrong. I have XXXX credit cards XXXX of which I paid off. I have never once been late on any of them. I do n't know what is going to become of us. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not a valid account
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX Account XXXX : XXXX
Product: Prepaid card

I was given a {$700.00} American Express Gift Card from my company as a holiday gift. The card has not worked ANYWHERE and has been declined in person using my XXXX XXXX  and XXXX XXXX, has been declined on Online merchants such as XXXX. I am at a loss of {$700.00} because AMEX has scammed me into another wasteful gift card. This happened years ago with an AMEX GC and now is happening again. I decided to file a formal complaint this time against American Express for their fraudulent practices.
Product: Credit reporting or other personal consumer reports

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 : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX CREDIT XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX CO : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are a list of other inaccurate andor fraudelent inquires on my consumer credit files thal I would request remove from said files 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: Credit reporting or other personal consumer reports

I pulled a copy of my credit report on XXXX, Experian and XXXX and noticed fraudulent inquiries and fraudulent accounts that were listed on my credit reports that need to be immediately DELETED as well. As Clearly outlined in 15 USC 1681 and more specifically to 15 USC 1981c-2 and 15 USC 1681s-2 , I DID NOT originate or authorize the following accounts listed on my credit reports. This amounts to clear IDENTITY THEFT and MUST be DELETED within 4 business days of receipt of this complaint. I am attempting to handle this matter privately. Please DELETE account ( s ) : XXXX XXXX, XXXX XXXX XXXX. DELETE fraudulent inquiry 's : XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Vehicle loan or lease

This is regarding my loan with Capital One Bank for my auto loan payment. In XX/XX/2017 my bank did not complete the auto pay and I was out of town. I contacted the bank and they said that if I made the payment via phone ACH that it would not record late. I have made every single payment on time my whole life and they ended up reporting my payment as late XX/XX/2017 My credit report has this blemish and I have no other derogatory auto payment ever reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the   XXXX   credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until   XXXX   2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).  XXXX  and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.
Product: Credit card or prepaid card

TO THE FACT I AM FEMA AND NEW MOTHER XXXX THEY OVER COST ME XXXX FOR EXTRA FEES FOR NOT ADHEREING TO THE SCEDULED PAYMENT DATED ; AND THEREFORE IN XXXX XXXX XXXX XXXX THEY OVER COST ME AS MUCH AS XXXX XXXX AND I NETWORK AND I SWEAR ILL NEVER SUPPORT THIS XXXX  AGAIN IN XXXX AND IT WAS UP XXXX AFTER ALL ADDITOINAL THIS YEARS FEES OKAY THEY SAID MAYBE YOUR ID IS THEFTED AND WE DON'T APPROVE YOU THEN IN XXXX FOR DISPUTES TO DISPUTALS FOR NOT EVERY ANYTHING EVER AGAIN, RUINED*
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report.

On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''.

First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account.

For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently complained about Wells Fargo and a credit issue and although I disagreed with the company response in Case No. XXXX, nothing has been followed up on yet the company completely ignored the issues causing my concerns. 
Wells Fargo DID NOT address my concerns yet merely did the same thing they always have done which is ignore my complaints and refuse to explain issues I pointed out. 
Please reopen this complaint. They went through my personal bank account and went through all my checking statements, which I find very troubling as XXXX should only be able to look at my payments and statement from XXXX. XXXX Wells Fargo should not allow the review my personal purchases that have nothing to do with XXXX  payments. I advised in my complaint that payments made to Wells Fargo XXXX were withdrawn from my account 'immediately ', yet on the statements they have dates that do not align with when the payments were made. Example, make a payment via the Wells Fargo app, the money is taken out of my bank account IMMEDIATELY ( say a Thursday ). However, Wells Fargo would sometimes post these payments 3 & 4 days later ( not till Wednesday or Thursday ), making it appear the payments were later than they were. To be clear, when I made a payment to XXXX  money came out of my checking account right then!!!!! Reviewing my statement does NOTHING if you do not review the faulty payment system. My complaint pointed out that their payment system was not accurately reflecting payment posting dates and reviewing the statements has nothing to due with Wells Fargos faulty payment processing I complained about in my original complaint. In addition, Wells Fargo has incorrectly calculated the 28 days in XXXX. Combined with the delay in posting my payments due to the payment error on Wells Fargos side, Wells Fargo needs to remove the late payments and fix my credit report. I was also not late in XXXX & XXXX of 2019 yet WELLS FARGO refused to address that in my complaint too. Even if I was late 2x in one year per their misleading account statement ( XXXX & XXXX ), I WAS NOT LATE FOUR TIMES!!!! PLEASE GET THIS RESOLVED AND DO NOT LET WELLS FARGO PULL THE WOOL OVER YOUR EYES AGAIN!!
Product: Bank account or service

I have never had a company so intent on making things difficult for me like SunTrust. I lost my job almost two months ago so I went online looking for employment I found what I thought was a great work-from-home opportunity on Thumbtack doing the same thing that I 've been doing went through an interview process received an offer letter just like any other job I 've applied for after a couple of weeks I receive my first paycheck after a month of no income I was extremely happy so I went to deposit check inside the SunTrust XXXX. 30 seconds after depositing the check inside the branch I get a call from the branch manager letting you know that she thinks the check is fake and she would recommend that I not deposited this is my first time ever hearing about it so I asked her why she thought it was fake she explained to me some of the inconsistencies in the check so I agreed not to deposit the check and she would return it to me so I can get in contact with the company. The following day I want to deposit {$100.00} in cash and found out that my account was being frozen again because of the check that THEY DID NOT deposit. It is now going on the second week with no resolution. I am the victim I am the person and being defrauded by this company yet SunTrust is making me feel like the villain with all of the issues I 'm having with SunTrust it 's hard for me to believe that the bank can act like such I 've attached a copy of the check and the offer letter that I received from the company and can provide any other documents that XXXX sent me
Product: Checking or savings account

I had just received my final paycheck by mail from my place of employment and I attempted to deposit it to my US Bank account via mobile deposit but due to the amount of the check I wasnt able to because of daily transaction limits so I had to visit the branch. I deposited my check at the ATM on Saturday XX/XX/2023. On us bank website it states that deposits would be available within one to two business days not including weekends or holidays so I figured the wait wouldnt be that long. Initially they made the first {$220.00} of the check available to me and then it put my account into overdraft. Now I find out today that they have a placed a 7 day hold on my paycheck which I wasnt aware of I was assuming I would of have my funds available to me by now I have bills that are due and I need gas money for work I dont know what Im supposed to do I have tried to call and explain to them my circumstances and I even went in person and all I was told was there was nothing they could do and just wait it out.
Product: Debt collection

On XX/XX/2021. I sent a letter to the company to validate the debt and now it is XX/XX/XXXX and still have not received a response from the company.
Product: Debt collection

On XX/XX/18 I filed a dispute in regards to several incorrect items that were on my credit report. Most of the items have already been corrected. However, the erroneous collection from XXXX XXXX XXXX for {$9600.00} has yet to be removed from my XXXX report. I have had no business dealings with this company, nor have I signed a lease or any type of rental agreement with this company. I have already contacted XXXX   and XXXX about this matter and after their investigations they both found that the record was invalid and removed the collection from my record. On XX/XX/18 I received a letter from them stating that they can't sue me because the account in question is too old. I have called XXXX on multiple occasions disputing the collection. I also sent them a certified letter stating the same. I am in the process of purchasing a house and this is the only thing holding it up. It would be greatly appreciated if you could look into this matter and get this closed, so I can get it removed from my report. Thanks so much for your help and I hope you have a great day
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct number XXXX The closed account dates are not the same on all three credit reports. It is still showing a current balance of {$750.00} on all three credit bureaus, but the account has been charged/ collections. The dates are 2 years prolonged after the charge offs and collections in that case it will make ILLEGAL to RE-AGE the account 2 years and 7 months later after collections and charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax because numerous accounts are missing from my file and I was told that my file was split. This keeps happening and they keep requesting the same identification every time this happens. It's ridiculous, my credit score and file has been affected because of this constant issue with equifax.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation, reinvestigation and further investigation. I am a part of the class action suit XXXX v TransUnion in which TransUnion neglected proper procedures and now AGAIN, You haves failed to provide information on how the information your company is reporting has been verified Please provide the source of your information and verification. Your company has continued to report these inaccuracies. I DEMAND YOU DELETE THESE ACCOUNT IMMEDIATELY. Your neglect in properly handling the verification is a violation of Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( FCRA ) Account : XXXXXXXX XXXX XXXX Account XXXX : {$780.00}
Product: Student loan

Hello, I am XXXX veterans XXXX to service and unable to work. I have been unable to get information from ACS education about loan cancellation. Please help get an address and number for cancellation of the debt. They have refused to provide this information.