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

I mailed Transunion a letter on XXXX/XXXX/XXXX to request, the a credit report was accurate and correct .When i received the up dated report .The XXXX account was, different on the on every Credit report. The payment history and the charge off date and account type -detail. Plus there was several more errors and loan terms. 

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

15 U.S.C. 1681 section 602 A. States, I have a right to my privacy 15 U.S.C 1681 604 A section 604 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

Accuracy of my credit report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the Ist time.
Product: Credit card or prepaid card

I have been disputing since XXXXthey have not reviewed documents sent from merchant. The dates listed on gift vouchers are for hotel supplies and were made on dates we were not in country..and if they would go back to when I first reported I have never said anything about gift cards. Why would we go to XXXX  XXXX and spend {$17000.00} on gift cards to purchase hotel cleaning supples on dates we were not there and do not match the date I reported??? The merchant is falsifying receipts not to mention we never received the goods they claim we purchased. I have sent 2 police reports and still nothing. Help!!
Product: Student loan

Through the XXXX XXXX personal account auto-pay bill payment system I had been paying on my {$25000.00} XXXX XXXX student loan for many, many years. IN XX/XX/XXXXI PAID OFF THE LOAN. I had been paying XXXX XXXX for many years before the loan was sold to Citibank ( when exactly I am unsure ) and in XX/XX/XXXX, Citibank has stated it sold the loan back to XXXX XXXX, as Citibank no longer handled student loans. Unfortunately, I forgot to turn off the auto payments going to Citibank. Thus, in XX/XX/XXXX I contacted XXXX XXXX to alert them of this fact and found that they had record of the payments to both XXXX XXXX and Citibank. Citibank only rejected payments starting in XX/XX/XXXX until XX/XX/XXXX. Citibank received payments all of XX/XX/XXXX until XX/XX/XXXX. XXXX XXXX started receiving money from XXXX XXXX between XX/XX/XXXX until XX/XX/XXXX, without rejections. When I contacted Citibank and XXXX XXXX, both companies stated they had returned the overpayments to XXXX XXXX late XX/XX/XXXX, Citibank did send me two refund checks in the mail, though not stating which months they were crediting. On XX/XX/XXXX I and a representative of XXXX XXXX contacted Citibank ( XXXX ), and proof of overpayments payments were sent to Citibank ( XXXX ), as they requested. As of XX/XX/XXXX no funds have been returned into my XXXX XXXX account from Citibank ( XXXX ) or XXXX XXXX, and I and a XXXX XXXX representative were hung up on when we were speaking to a Citibank ( XXXX ) representative on that day. As well as I can calculate, with {$250.00} being paid each month since the pay-off in XX/XX/XXXX( which exact month I am unsure ), over a five year period, I am owed at the least {$15000.00} and at most {$18000.00} from Citibank and XXXX XXXX combined.
Product: Student loan

I was in forbearance and they are reporting 90 days delay in my credit report
Product: Credit reporting or other personal consumer reports

After carefully reviewing my most recent credit report, I noticed that there are several accounts that I have zero knowledge of. I did not give my signature to authorize any of these accounts. Here are said accounts that should not be on my report : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$550.00} {$500.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$410.00} {$300.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} {$2500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$540.00} {$500.00} {$540.00} XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} {$18000.00} {$13000.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$15000.00} {$28000.00} {$26000.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00} {$11000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$76.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$990.00} {$750.00} {$990.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$590.00} {$700.00} {$500.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$790.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$960.00} XX/XX/XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$800.00} Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX
Product: Credit card or prepaid card

In XXXX I made my payment on time. Capital One system cut off the last 3 numbers of my bank account making the payment fail. A few days late when I found out the payment failed I contacted them asking what the problem was and after an hour of being on hold and talking to 2 or 3 different people finally I got it fixed and made payment again. This time the payment went through no problem. Even though the problem was fixed and not my falt Capital One is using this as an opportunity take away the 0.0 % APR till XXXX 2019 deal they offered me for opening the card. The moment I found out that they were trying to take this away from I told the customer service to connect me with a supervisor so I could make them give this back. The supervisor I spoke to told me they would submit a ticket to get the 0.0 % APR till XXXX 2019 reinstated. I have been all Capital One every week for a month and they still tell me that the ticket is being worked on. I have to make a payment on this card in a few days. I am asking the CFPB to stop Capital One from engaging in this deceptive business practice and make some give me back the deal I signed up for. 0.0 % APR till XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- FOR XXXX  XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES XXXX XXXXFOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX INVESTMENT FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX  XXXX FRAUD ACCOUNT # 1 XXXX  XXXX FRAUD ACCOUNT # 2 ALLIED COLLECTION FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX  XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE CALLS
Product: Credit reporting, credit repair services, or other personal consumer reports

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



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy. 

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. 

Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

A card was issued under my name on XX/XX/18, however, I did not apply for credit. Im in the process of purchasing a new home and I have not opened any new credit. This fraudulent incident caused my credit score to decline and could ultimately effect my interest rate for the purchase of my new home this is imperative to me. I also, do not understand if I pay XXXX to monitor my credit and my report was and is locked how did this happen? I need to have my name cleared and my credit score restored as soon as possible as I mentioned this will affect the purchase of my new home. Thank you in advance for your prompt attention to this matter.
Product: Mortgage

This is regarding my serious concerns about what happened with the closing of HELOC refinance # XXXX ( Settlement Date : XX/XX/XXXX  ). 

At closing, the amount of {$13000.00} ( Section XXXX ) was kept on the side ( attaching settlement document for reference ). This is the amount for which I am trying to get the transaction trail. I followed up with different parties to get answers. 

Reconcile process? 

Usually there is a rigorous reconciliation process for each dollar that gets distributed. If so, how can a big amount like this be missed during the reconciliation process? I already have the details of what the Title company received and the amount distributed from their side. The Title company didn't receive this amount in their net wire amount. 

o This raises questions about your reconciliation process and concerns about the whole thing. This needs to be investigated. 

Escrow Requirements? 

We didn't have the official Escrow setup for this transaction ( Usually there is no Escrow by default for HELOC transactions anyway ). Then why the money was collected and no one told anyone about it? Even if the money was collected in the name of Property tax then why there was no communication about it? As a Lender, you need to communicate for any amount you collect and disburse. 

No Follow-up or an official response regarding this from CMG since the closing day ( It is more than 50 days now ).! 

There was no even initial response to my emails after closing. I finally called up my loan officer and I was told that they would talk to the closer. But nothing after that. 
Till date there is no official response yet and no one knows what happened. 

At this point, I am requesting an official investigation.
Product: Credit card or prepaid card

On approximately XX/XX/2021, Capital One ( Cap1 ) elected to close my 3 credit card accounts. This is entirely within their rights and I do not dispute the closures. 

At the time of closure, I had an accumulated rewards balance of {$3600.00} across the 3 accounts. Cap1 restricted my access to the rewards and prevented me from redeeming them. After attempting to contact them to no avail, I decide to wait and see how they would go about addressing this, in hope they would eventually send me a check for the full sum of the rewards. It is now over 90 days since the accounts were closed and Ive received payment for 1 ( of 3 ) account at 50 % of their rewards value. 

Cap1 is very clear in their promotional materials, communication, web sites, etc. that the value of the rewards points is $ XXXXpoint and yet theyve not decided that for what I assume is some punitive reason, the rewards owed me are only worth half that amount.
Product: Credit reporting

I do not owe any GA state tax liens, this is inaccurate information listed please help
Product: Bank account or service

I initiated a transfer from Bank of American on XXXX/XXXX/2016 that was received by PFCU on XX/XX/XXXX. On Tuesday, XXXX/XXXX/2016 I received an email from Bank of America that Billpay or transfers are now inaccessible. The transfer that was made to XXXX XXXX XXXX XXXX ... 5 days prior to receiving the email about transfers being inaccessible. XXXX charged me a {$30.00} returned ACH fee due to BOA taking the money back 5 days later. BOA Branch said they ca n't do anything.
Product: Mortgage

We have been consistently XXXX month behind and were contacted by our mortgage company to refinance ... my husband submitted all paperwork and got the rate locked in and in the truth in lending, etc., we were given the estimated closing costs. Our closing date was supposed to be this week. My husband was contacted Wednesday and was advised that person was no longer with the company and that paperwork was missing ; the closing date was now going to be moved ; we had to provide duplicate information ... including confidential information that was ALREADY provided ; and that the information we were given was incorrect and that we would now have to make XX/XX/XXXX payment and the closing costs were now approximately {$6000.00}! We feel this was a bait and switch and they should be held to the contracted amount in the paperwork that has been signed and submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had leased a XXXX  XXXX XXXX from Toyota Financial which ended up in a total loss and was paid off by my insurance. Toyota financial keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score.  Please update all credit bureaus balance to {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked  XXXX   XXXX  to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XX/XX/XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information.  XXXX   XXXX  has reported the charge off on my credit report for the past 73 months. A charge off is  a one tim e IRS write off on a worthless deb t. Reporting the   charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XX/XX/XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment for two years because of the way   XXXX   XXXX   has reported this account. I was turned down for a mortgage in  XX/XX/XXXX , not because of the charge off, ( after all it is 6  years old  ) but because  XXXX   XXXX  has reported it every month making it look like a new charge off.  XXXX    XXXX   XXXX   has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian have violated my rights by publishing misinformation about my financial situation and refusing to correct it. 
The credit bureaus violated 611 by failing to investigate or correct inaccuracies within 30 days.

The bureaus failed to uphold 607 ( b ) by allowing false information to remain on your credit report.

They are in breach of 623 by not ensuring the furnishers corrected or verified the information.

If outdated information appears, reference 605 ( a ).

Specify the harm youve suffered and state that their actions or lack thereof may constitute willful or negligent noncompliance under 616 and 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/2021 BANK OF CHECK XXXX XXXX CHECK NUMBER : XXXX AMOUNT : {$32000.00} CASHED ATM BANK : WELL FARGO We mailed check to our vendor and it got stolen. the theft cashed the check from WELL FARGO ATM. We report the issue to our bank ( XXXX ), and they were working with WELL FARGO for the issue. However, WELL FARGO closed our case twice. first time, they require additional document, and we gave them all. Subsequently, the require a police report again. We already report the mail theft to the USPS, and they have their own investigation team to work on it. I have the complaint or the claim number. But WELL FARGO insist to have the report!! 

It is incomprehensible why WELL FARGO keep giving us hard time. the person who cashed the check from the ATM have the account information when they use the machine to cashed the check. ALL information is traceable. NAME and the ACCOUNT NUMBER. why it is so difficult to scrutify the person account. 

ALSO, on the check, pay to and the theft name are not match. Correct one is the company name, stolen one is the person name. How can they still allow the person to cahsed out the amount? 

The investigation goes more than 1 years and they still asking for more documents?
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. While 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 vulnerability to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have Experian remove a XXXX  XXXX Bankruptcy from my report thats been on there 7 years. The dates are incorrect along with my address. I spoke to the court whom said they never released any information on any court dates and or filing and are in process of creating a letter. XXXX removed it from my report two weeks ago. Experian just wrote information correct and closed dispute. The information is not correct, address is also incorrect. I called spoke with representative yesterday whom said this wont be removed regardless and actually hung up on me. This is my credit, my only way to try to get a loan for a house. Its been 7 years and they wont even consider listening let alone taking it off my report. Requesting it be removed. If court letter is needed stating they never released any information regarding me to any other party I can upload. XXXX was very easy to work, wish Experian was the same. Please help.
Product: Credit reporting or other personal consumer reports

I was trying to but property and was denied due to unverified public records on my report and a XXXX charge off. I sent several certified letters made calls and no cooperation from credit bureau to show proof of verification. This is defamation to my character and I want all fraudulent accounts removed immediately.
Product: Credit reporting

Experian, XXXX, and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several unauthorized credit inquiries that I did not initiate or authorize. I am writing to formally dispute these inquiries and request their immediate removal from my credit report. 

The unauthorized inquiries are as follows : Company Name : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, RI XXXX Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : Unauthorized inquiry Company Name : [ XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ] Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : Unauthorized inquiry Company Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ] Date of Inquiry : [ XX/XX/year> ] Reason for Dispute : Unauthorized inquiry I have not authorized these inquiries and am concerned that they may be the result of fraudulent activity. Therefore, I kindly request that you investigate and remove these unauthorized inquiries from my credit report immediately.