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

Auto loan with XXXX XXXX 2 late payments were reported on XX/XX/XXXX and XX/XX/XXXX I have reached out to all three credit bureaus to have late accounts updated to current with no late payment due to COVID-19 related issue with no success.
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. In spite of 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 tracking these funds were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Americredit-accessed my credit report and is stating i applied for a car loan. I have not applied for a new car loan i Just paid my current automobile off. Americredit needs to remove the hard inquiries from XX/XX/2023 and XX/XX/2023. This inquiry was not authorized by me since i have never applied for anything with Americredit. 
All inquiries need to be removed from all credit reporting agencies. This is fraud/ identity theft and an unauthorized inquiry of my credit and personal information. This is a breach of my privacy rights and the Credit reporting act.
Product: Debt collection

My mailing address is now XXXX XXXX XXXX, XXXX, AK XXXX. I have not received any written notification of this debt. I dispute the validity of this debt from XXXX XXXX and would like to receive documents verifying the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Your company illegally reported private information and sold it to other reporting agencies, including Experian, XXXX, and XXXX. I did not grant your company permissible purpose to report it, and I have not been notified that this information is being provided to the highest bidders. The alleged debt was during a time in my life of struggle, medical issues, and mental anguish. I have since sustained further emotional and psychological damages because of your company 's unfair and deceptive practices. I am currently rebuilding my life, but your companys willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting Account ( Acct # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Inquired XXXX XX/XX/XXXX to your consumer reporting agency.

- Remove reporting from all consumer reporting agencies.

- Provide acknowledgment of this official notification that I am opting out of your reporting.

Do not report ANY information bearing my identification.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, XXXX XXXX CEASE AND DESIST
Product: Credit card or prepaid card

Best Buy and CiTi card have interest charges that we have attempted to resolve with both entities. The companies failed to notify me ( the consumer ) regarding changes in promotional credit agreements. The companies claim they notified via letter and by phone, however have rescinded these comments and acknowledged they made an error ( no attempts were made to notify ). Additionally, the companies have claimed a cease and desist order was authorized by me ( the consumer ). At no time was this permission given. Again, the companies acknowledge the cease and desist was an error on their part. Regardless of stated error, Best Buy and Citi are unwilling to waive interest changes associated with a transaction made during a promotional period. I have never paid interest on any credit card in the 20 years of holding credit services. I expect and demand involvement from the CFPB to represent the consumer and hold these firms accountable.
Product: Credit reporting or other personal consumer reports

The reason Im writing this is because several accounts are not mine and I have no knowledge of them. Some accounts in accurate wrong balances wrong dates. And Im a victim of identity and I have student loans in my name also, I tried calling the credit bureau. What do you have giving me the runaround and no accurate information
Product: Credit reporting or other personal consumer reports

I did not authorize ALLY FINANCIAL to run my credit. This is fraud.
Product: Checking or savings account

Hello, I do not find the letter from Bank OZK dated XX/XX/2022, an adequate response to my FDIC compliant dated XX/XX/2022. 

As mentioned in my previous letter, I tried to open a personal checking account on XX/XX/2022, at approximately XXXX XXXX To provide my context and clarity, I was the only person inside the branch and there were not any cars in the drive-thru. Also, there were 3 Bank OZK employees in the branch. Last, does OZK system shut down at XXXX? If not, why did the Bank OZK employee tell me that? 

If the check was verfied in accordance with Bank procedures that help protect the customer and the Bank from potential fraud, why was a hold placed on the check after it was verified while I sit in the office? 

I am unable to locate anywhere in the Federal Regulation CC ( Expedited Funds Availability Act ) that calls for a 9 day hold on the amount I deposited. 

https : XXXXXXXX-12/chapter-II/subchapter-A/part-229 Per FDIC Availability of Deposits Subject to Exceptions ( 229.13 ( h ) ) For deposits subject to exceptions to the availability schedules, other than deposits into new accounts, the depositary bank is permitted to delay availability for a reasonable time beyond the schedule. Generally, a reasonable period is considered to be no more than XXXX business day for on-us checks and XXXX business days for local checks. 

https : XXXX2/chapter-II/subchapter-A/part-229/subpart-B/section-229.13 It appears that holds may be placed on checks that are deposited into your bank where the branch is located in a major minority XXXXI census tract and holds are not placed on checks deposited in branches located in a Upper income major white census tracts. It does not appear that Bank OZK event conducted any type of comparison data. 

https : //www.fdic.gov/resources/bankers/consumer-compliance/unfair-deceptive-abusive-acts-practices/ https : //www.consumerfinance.gov/compliance/supervision-examinations/unfair-deceptive-or-abusive-acts-or-practices-udaaps-examination-procedures/ Last, Bank OZK should provide their procedures for holds on account and explain why a XXXX man deposited a check appeared to be fraud.
Product: Mortgage

Wells Fargo Reverse Mortgage has informed us that they are transferring the servicing of our reverse Mortgage to a company called XXXX. we were not advised of this until a few days ago, and that the transfer will take place on X/X/2017, and that we have no say in this matter. We chose Wells Fargo when we se t up the account because of its financial stability, and would not have chosen XXXX XXXX, and we do not want them to service our a/c now. Complaints about XXXX XXXX are numerous, and we feel we have bee mislead by Wells Fargo. we have asked for our initial costs of setting up the account to be repaid, along with the interest to date, but they have refused. We feel we have been exploited to the benefit of Wells Fargo and their profit motives. We hope you can help in this matter. XXXX XXXX Tel : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a VENMO account with about {$500.00} in it that is linked to my checking account with funds in it. On XX/XX/XXXX I tried to pay someone using my funds only to find out my account was frozen. I was never notified. I was also unable to withdraw my funds back to my bank account. I followed all the online instructions for unfreezing your account, however, nothing worked. There are no phone numbers listed on the website to call so I finally sent an email. They didn't respond for a few days and when they did I was informed that it would take 6-8 more businesses days for someone to look into it. 

When I went on their XXXX page I noticed hundreds of complaints from other consumers who are having the same problem and many with worse problems. I believe there is some kind of fraud linked to the plunge in crypto currencies involved. 

Can you help? 

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

Hello this application was withdrawn please have this removed! I also have proof if needed
Product: Credit card

Acceptance Rentals this company operates and the financing company for XXXX and came to an agreement to pay the account in full. Now a XXXX dollar dinette is now XXXX dollars pass due! I have written to XXXX as was informed the account was paid in full back in XX/XX/XXXX. Now my bureau report XXXX is showing this company with a large balance I do not owe. I wrote the Attorney General Office in XXXX to be advise to contact your agency. I will include the email sent to me which spoke of a closing agreement with a final payment.
Product: Credit card or prepaid card

I had my bank make a {$100.00} electronic payment to Capital One on XX/XX/XXXX. It was posted to my bank account on XX/XX/XXXX. As of XX/XX/XXXX it has not posted to my Cap One Acct. They now consider my acct past due and have suspended it. Four phone calls including one with my bank on conf, one chat session and 11 people and 4 days and I know no more now than when I started
Product: Checking or savings account

I opened a Platinum checking account with Citizens Bank at XXXX, RI location ( XXXX XXXX XXXX XXXX XXXX, RI ) in XX/XX/2019. I presented the officer with a promotion coupon card mailed with the USPS change of address package for {$400.00} bonus after meeting certain requirements including maintaining a balance of {$25000.00} for three months. The banker at the branch accepted the coupon and opened the account for me in person and promised that I will receive the {$400.00} bonus after meeting the requirements. The banker didn't return the coupon card to me after opening the account and I relied on the assurance from the banker that the {$400.00} will be deposited assuming that all requirements are met. 

I deposited the {$25000.00} required to get the {$400.00} promotion bonus at the end of XXXX. After not receiving the bonus for three months, I called on XX/XX/XXXX to inquire about the promotion bonus and was informed via phone that bonus will be posted to my account in XXXX. On XX/XX/XXXX, I called the customer service line again to inquire about the promotion bonus that was not received. I was told that they'll investigate and get back to me. A lady from Citizens Bank left me an voicemail on XX/XX/XXXX saying that the coupon I used was valid from XX/XX/XXXX to XX/XX/XXXX and I am not qualified to receive the bonus because I opened the account before XX/XX/XXXX. I subsequently called again on XX/XX/XXXX and the person on the phone refused to provide proof that the coupon I used was not valid and told me that the manager of the branch where I opened the account will call me in the next 1-2 business days. The branch manager called me on XX/XX/XXXX and told me that I need to provide proof that the coupon I used in XXXX was valid, otherwise they would not honor the promotion bonus. The branch manager and the customer representative refused to provide proof that the coupon code was not valid, but insisted that I need to provide proof that the coupon that the branch accepted back in XXXX was valid. I don't have obligations to keep the coupon once the coupon was presented, accepted and kept by the branch banker. The Citizens Bank was clearly committing fraud by deceiving customers into depositing large amount of funds at a no a interest account.
Product: Credit card or prepaid card

I paid my capital one car off in full on XX/XX/2023, which is before the due date. However, I was charged an additional interest of {$79.00}. I was told by the agent that this is interest accumulated over several months. Each month my statement showed I was already charged a lot of interest. I feel this is unfair to me and the credit card company is trying to get more money from their customers.
Product: Student loan

I am now getting another wage garnishment order from a different company than before and I am at my wits end. I work very hard and understand I need to repay my debts but I can not live like this. I am looking in debt consolidation but I feel so overwhelmed and I do n't know what 's a scam and what 's not anymore. It should n't be this difficult to fix your finances or save money. I do n't believe it 's fair that no matter how hard I try or work all my money is being taken out of my pay checks. My school was shut down by the government ( XXXX ) and I was n't able to finish yet i am still on the hook for thousands of dollars i ca n't pay back fast enough. When my school is not even around any longer & I was unable to graduate. This is not fair. Please help me.
Product: Credit reporting or other personal consumer reports

I have disputed the accuracy of my bankruptcy information reported by the three major credit bureausXXXX, Experian, and XXXXclaiming that the information in my personal credit report is incorrect. Despite filing this dispute, all three bureaus have stated that they have verified the information and found it to be correct. However, none of the bureaus have disclosed the source of the personal information used for verification, nor have they provided the name and contact details of the person who conducted the investigation and reported the information as verified. Furthermore, I suspect that all three bureaus are intentionally delaying and avoiding addressing the issue by sending generic response letters. I believe this is because they do not have proper access to my personal credit report and using generic computer-generated responses without conducting the investigation.
Product: Checking or savings account

On XX/XX/2018, I applied for a checking account with Santander and was declined citing XXXX XXXX adverse information. I have no derogatory information on my consumer report whatsoever.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

Equifax is reporting a ID Theft account that was removed several months ago,. It was removed and now it is re-reporting again. Police reports as well as other supporting documents have been sent in several times. XXXX XXXX is a FRAUD ACCOUNT
Product: Mortgage

Wells Fargo Home Mortgage and Wells Fargo Bank took it upon themselves to make a payment in my father 's name from an account that belongs to my father in front accepting embezzled money that has been withheld from the owner of the property at the same time yesterday on a recorded line was stated that the loan was paid off several times and that when the loan was paid off in 2013 Wells Fargo made themselves the beneficiary along with others being the trustees where is the trustor and grant or XXXX XXXX XXXX XXXX has no possession of his home but Wells Fargo XXXX XXXX title XXXX XXXX and other companies are making money off this property illegally by it being broken up and sold XXXX XXXX specifically states that No entity may perform actionaction that specifically does not regard the utmost well being of the borrower especially when using limited powers of attorneys. full disclosure has been requested and ambiguous remarks and results have been given at no time has the accounts been disclosed on the currently being used for the security instrument guaranteed by this bank to belong to XXXX XXXX XXXX.
Product: Money transfers

We were victims of a fraudulent/scam. We received a phone call from what we thought was a family member. They advised us they needed money because he was being held at a XXXX, XXXX airport. We sent the money, but it should have been a clue to us when, it was sent to another person 's name which we did not recognize.
Product: Debt collection

Hello. Today I received the second of two calls from a company called XXXX, XXXX and XXXX. Also appears they operate as C & M Associates out of XXXX IL. This apparent debt collector is claiming I owe a debt from approximately 20-25 years ago. I explained to the individual on the phone that I have no knowledge of any such debt and found it very odd that through loans Ive secured over the years i.e mortgage, vehicles, etc. this record of debt never surfaced on any report from the three credit reporting agencies.I also proceeded in asking him to mail validation of this debt. Seemed like a logical request. He mentioned he already had and didnt intend to do so again. To be clear, I have no record of this letter he states he mailed. To top it off the amount hes claiming I owe is over {$9000.00}. At that point in the conversation he appeared to become aggravated and proceeded to threaten me with a lawsuit and wage garnishment asking me if I still worked at xxxxxxxxxxx. He went on to state I have plenty of available credit ( quoted that amount ) to pay what he was asking for. I explained to him that I have no intentions of paying anything without the proper supporting documentation, and at this point, it would be in my best interest to contact an attorney in hopes that we can get to the bottom of this. He hung up on me. Given what Ive learned so far and the failure for the individual to provide any form of meritorious documentation, Im suspicious this could be a scam.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case
Product: Prepaid card

I received an American Express gift card. The card has twenty-five dollars on it, which I can not access. The customer service line is not working to help with the situation at all.
Product: Debt collection

They call back to back XXXX XXXX XXXX XXXX XXXX XXXX asking for someone else. I told them that the person youre asking for I dont know and its not me. They ask for some woman. But they call over and over again all day. I have screen shots of the calls. 
They say they are from Welcome to Account Liquidation Services , Inc
Product: Student loan

XXXX XXXX XXXX XXXX XXXX Scamed me for paying a loan I didn't consolidate for and charging me {$5000.00} to a different financial student loan service osla When the student loans I am currently paying are XXXX XXXX.
Product: Student loan

I have XXXX loans that I have had since XX/XX/2006 through AES..I have been making payments since XX/XX/2006 ... I have put them in deferment for XXXX months a couple of times but outside of that I have made faithful payments ... .but it 's over XXXX years later and I owe XXXX times the amount now than I originally started with ... I do not understand how..and I have found several other complaints online about this company with people saying the same thing as me and I just want some relief ... .there seems to be no end in sight with this company and I just feel that something needs to be investigated ... please help
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. 

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.

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.