23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$420.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Student loan

Below is an email I am sending to Edfinancial services on XX/XX/2023 : Hello, This is XXXX XXXX, regarding account XXXX. 

I spoke with a customer service representative to verify the amount due and who to make a check out to and verified the address to send payment and submitted payment by mail on XX/XX/2023, more than enough time for the check to be received prior to the XX/XX/XXXX payment due date. The check, for {$20000.00} was cashed on XX/XX/XXXX. 

As of today, XX/XX/XXXX, I continue to receive past due notifications from EDfinancial, and show an outstanding balance of {$220.00}. In addition, my XXXX XXXX has XXXX, I assume as a result of this. 

I have submitted a request that the Consumer Finance Protection Bureau review the above on my behalf. 

Thank you, and please let me know what is being done to resolve this discrepancy. 

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

I have previously disputed the account with XXXX XXXX XXXX XXXX, Equifax, and XXXX stating the account is being reported inaccurate. The account is being reported past due, but the account was closed on XX/XX/2023. Per the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 section 623 subsections ( 7 ) ( A ) ( i ), I am to be notified, in writing, of the furnishing of negative information to the consumer reporting agencies by the financial institution. XXXX XXXX XXXX XXXX did not provided me, in writing, the notice of furnishing negative information to the consumer reporting agencies before or 30-days prior to furnishing the information. I have ask Equifax and XXXX to investigate this issue but the consumer reporting agencies have failed to do so. The account is not past due and no writing noticed of past due account was sent to my home address. My home address is shown on my credit report and is shown in the attached document provided.
Product: Credit card

This is the XXXX time Citi Cards has closed accounts I 've had with them due to recent inquiries despite the fact that all of my accounts are in good standing and I 've had several of them for well over a XXXX now. I have found them very frustrating to work with trying to get my accounts with them reopened and I want a real solution to this matter or at least having Citi remove the XXXX XXXX, XXXX accounts removed from my credit reports. 

My very XXXX Citi card was a Citi Forward account opened XXXX 2013 and that was used to build my credit. It astounds me that none of that has been taken into consideration with regards to these account closures they 've done on me. I do n't like the deceptive bait and switch tactic of approving me for these accounts and then closing them like this.
Product: Checking or savings account

On XX/XX/XXXX, we opened a Certificate of Deposit ( CD ) in the amount of XXXX for 4 months at an interest rate of 4.16 % with an annual percentage yield of 4.25 %. I am writing because I feel that the amount we received was incorrect. My father has been dealing with CDs for many years and this is the first time this has happened. The CD matured on XX/XX/XXXX, and we went to Wells Fargo and were told the interest we earned was XXXX. I basically stated we only received 1.76 % on the monies we locked in. They proceeded to explain to me that I needed to use a CD calculator. They money we received was the correct amount that should have been paid. However, we had to calculate it for the year. I stated we did not lock the money in for a year only 4 months. When locking the money in for 4.16 % we should have received XXXX over the time that we locked it in for. The months never mattered before unless you take the money out before the maturity date. In this case that was not true. We left the money in for the full 4 months and only received 1.76 %. I made a complaint, and the investigator told me the same answer the banker stated. I would like you to clarify this situation. Thank you for your help in advance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting 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 CFPBs findings indicate that Zelle had not only neglected to protect consumers but had 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 consumers safety.
Product: Checking or savings account

On XX/XX/XXXX I discovered XXXX of my Chase bank checks, numbers XXXX and XXXX were fraudulently endorsed and cashed through XXXX  XXXX XXXX. I filed a complaint with Chase bank. At first I was told the matter would be handled within XXXX days, with Chase re-imbursing. Some weeks later a letter came from Chase bank stating XXXX  XXXX XXXX was responsible for re-imbursement and it would be " 90 days or more ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are individuals applying for credit under my name without my permission. I have filed numerous police reports. I have submitted information to creditors and credit bureaus and nothing has been removed.
Product: Money transfer, virtual currency, or money service

I sent zelle and it was wrong person and called the bank and couldn't get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax hard inquiry. All were unnecessary inquiries to my credit.
Product: Student loan

This is my 2nd complaint... the issue has still not been resolved since I filed the first complaint. I keep getting told it is being worked on and will be updated soon .... 

I initially applied for public service loan forgiveness back in XXXX of XXXX when the designated lender was XXXX. After multiple months of back and forth with them on the processing of my application I finally received confirmation that I had met the necessary threshold for forgiveness however I was notified that given the ending of their contract with the Department of Education that my application would be forwarded over to MOHELA for completion. Since that has taken place many months ago I still have not received any notification from MOHELA on the status of my loan forgiveness. In fact the information that they have noted on my payments is incorrect and I have contacted them on multiple occasions via phone and email to indicate such. I even resubmitted my public service loan forgiveness application and certifications to them again so they could see the discrepancies and all they did was cancel my duplicate application. Every time I have made attempts to contact them to gather information on the status I keep being informed that they have an influx of applications and it's going to take a long time to process. I'm told it'll take 30 days, then 60 days, then 90 days by now it has been practically 10+ months since MOHELA has had my application and I still have heard nothing about correction to my payments nor whether my loan has been forgiven. I have emailed them about this on the following dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called them on at least 5 occasions but unfortunately I have not taken down those exact dates.
Product: Mortgage

Credit Union Mortgage Association did not pay our XXXX  flood insurance, although the amount was collected and retained in an escrow account. Thus, the insurance was cancelled. As the policy was now considered a new policy, we lost the contracted insurance amount and the new amount is {$180.00} more per year. The Association takes no financial responsibility for their mistake. The Association also will not allow ( their words are " completely inflexible '' ) us to pay the flood insurance directly, and insists that they must maintain the escrow. They require us to use the flood insurance escrow account, but they did not utilize the escrowed funds as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that my information had been breached with Equifax XX/XX/2019. I clicked on the link in the email that was provided : https : //eligibility.equifaxbreachsettlement.com/en/eligibility to check my records. When I checked my last name and last 6 of social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. Equifax confirmed that during the data breach my personal information was exposed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : XXXX XXXX XXXX TransUnion and XXXX Regarding Inaccurate Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to formally file a complaint against TransUnion and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/year>, XX/XX/year>, and XX/XX/year>, the inaccurate information remains uncorrected. 
Key Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit XXXX XXXX {$3500.00} Late Payment Reported : XXXX late payment for XX/XX/year> ( TransUnion and XXXX ). 
Account XXXX : XXXX and XXXX. 
Violations : Fair Credit Reporting Act ( FCRA ) : Under XXXX XXXXXXXX XXXX  XXXX, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect XXXX late payment reported for XX/XX/year> demonstrates a failure to uphold this requirement. 
As per XXXX XXXX XXXX XXXX ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( XXXX ) : Per XXXX XXXX XXXX XXXX, creditors are required to send periodic statements at least XXXX  days before the payment due date. The late payment reporting indicates a failure to comply with this requirement. 
XXXX XXXX XXXX of XXXX XXXXXXXX ( XXXX ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/year> is inconsistent with my payment history, as I have always made payments on time. 
TransUnion and XXXX report a XXXX late payment for XX/XX/year>, while XXXX has XXXX reported history of late payments for this account. 
Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency. 
Requested Resolution : XXXX removal of the inaccurate XXXX late payment notation for XX/XX/year> from my credit report with TransUnion and XXXX. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a formal complaint regarding an unresolved fraudulent transaction dispute that Wells Fargo has failed to remedy for over 60 days now. 

On XXXX XXXX XXXX I discovered three unauthorized, fraudulent XXXX transactions were made from my Wells Fargo checking account ending in XXXX paid to XXXX XXXX XXXX XXXX XXXX name of XXXX XXXX XXXX The transactions totaled {$13000.00} plus fees and occurred between XXXX XXXX XXXX 

I immediately contacted Wells Fargo to report the transactions as fraudulent, as I did not initiate or authorize them. After filing a claim and providing the requested documentation, Wells Fargo reimbursed {$4000.00} of the stolen total. 

However, the largest single transaction for {$9800.00} remains under " investigation '' with no resolution or return of my funds after over 60 days. I have made weekly calls and provided extensive proof, such as police reports and bank receipts, showing the recipient was an unknown third party. Yet Wells Fargo refuses to give a timeline or take any concrete action to reimburse this stolen {$9800.00}. All they continue to do is escalate my case to another party within the bank each time I call. 

As a loyal customer for over 25 years, I am incredibly disappointed with this lack of urgency, transparency, and reasonable resolution by Wells Fargo on a confirmed fraudulent transaction claim. {$9800.00} is a massive sum that I rightfully need to be returned to my account immediately. 

I request that Wells Fargo expedite the investigation and return my {$9800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter on   XXXX   XXXX   XXXX     certified mail stating the year of birth was incorrect. I also sent in proof with this lette r ( I dentification card, birth certificate and social security card ). I received a response back on   XXXX   XXXX   XXXX     stating they have reviewed my concerns and the information is correct. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 (  b ) (  2 ) and 611 ( a ) ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the wrong birthday that does not belong to me.. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15U.S.C 1681 s-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. 

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.
Product: Debt collection

On XX/XX/XXXX I received a letter from Credence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. On XX/XX/XXXX my representative reply back to the letter. In the letter, we/I were requesting proof of verification sign documents and etc of this debt within 30 days. Which we/I have not received them and it has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Debt Settlement services wit JG Wentworth. I was promised that I was pre-qualified for a program that would be guaranteed to settle all of my debts included in the program, and once all debts had been settled I was guaranteed to receive a loan to pay the outstanding balances and repair my credit. I signed up for the program and have now for more than 6 months been making my payments as planned. However, JG Wentworth made a mistake and can not qualify me for the previously promised loan because my total debts exceeded the limits of the program criteria. My credit has been significantly impacted upon this false promise from JG Wentworth and they are unwilling to correct their mistake. I have contacted them requesting several options to resolve this situation and each time JG Wentworth simply states that I have to put more money into the program and/or wait more time to reduce the debts to the loan approval range. However, not only will this take multiple years, JG Wentworth is no longer pursuing any debt resolutions for the outstanding balances with creditors because there are no funds left with which to reach an agreement. All of the program payment funds made by me have been tied into resolving only 2 accounts. I am now in collections with multiple collections agencies and JG Wentworth is doing nothing but charging fees from my program payment while doing no work to make good on their promises. JG Wentworth confirmed the person responsible for the false promises made has been terminated and Compliance reviewed the call and confirmed their were false promises made
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry listed on my credit report. I have no association with those creditors listed and did not authorize this inquiry.
Product: Mortgage

I received a letter stating that my mortgage was being transferred to movement mortgage powered by XXXX. I told I didnt agree with this, and why did they do that, they didnt have an answer for me Ive been in collections for almost 20 year 's this is the kind of work I do. I dont deserve to be in collections when I pay my bills. I would like my mortgage to be sent back to what I signed up for. XXXXXXXX XXXX has been in involved in multiple lawsuits and now they are operating as a collection agency Thank you,
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Negatives XXXX XSXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   has violated my rights. Or 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 or other personal consumer reports

Im not been able to access my XXXX credit report to follow up on disputes to check accuracy ever since the one of the data reaches recently. I cant seem to get logged in. Ive called him and called them. They just put me on hold transfer me around and then they tell me lies whenever I do talk to somebody Trying to get a vehicle and I keep getting denied because of my XXXX score being so low due to all the accuracy is really causing to be turmoil. XXXX is the same way experience is a little bit better but nonetheless theyre all still reporting an accurate information and theyve all had that preaches that my information has been leaked so Im at the mercy and Im in desperate dire need of accurate reporting Negligent
Product: Credit reporting or other personal consumer reports

I never consent to share my information to a third party and I never once gave permission for bureuas to attach this type of stuff to my credit then report as an account I opened even dates, addresses, payments are all out of order but they all come from one company which is confusing and I read it reach this violations of XXXX Tila laws and disclosure agreements XXXX XXXX XXXX XXXX XXXX have dates, addresses, balances, reports dates all out of order hindered my credit too