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

Equifax reporting my name incorrectly as XXXX XXXX XXXX. 
I repeatedly requested them to make correction and submitted proof of my name and address. I requested them any other incorrect names and addresses appear on the credit report they are providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian score dropped XXXX points in XXXX. It states that I have had XXXX " serious delinquent '' account, which is incorrect. My report only shows positive ( 100 % on time all accounts ), so I am unable to file a dispute. I have called and tried to submit disputes. Experian says I can't dispute a positive report. They say they can't explain why it is on my report, why my score dropped XXXX points, or how to correct it. Please advise. My Experian report is now XXXX points less than any other report and shows a delinquency with no information or account information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a message from ( XXXX ) XXXX, despite signing up for XXXX XXXX. 
The message said that {$290.00} would be deducted from my account for renewal of computer services if I did not call back. 

Having called the number above, I then spoke to XXXX from XXXX XXXX ( at XXXX or XXXX ). 
I was told that I would be charged either {$290.00} or pay {$140.00} by wire transfer, in which case the payment would be refunded immediately. 
I went to my branch of Chase Bank at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, to wire {$140.00} from my checking account to the account specified by XXXX : a/c name : XXXX XXXX  XXXX  Account No. XXXX at XXXX XXXX. 
The Chase employee with whom I dealt at that time did not confirm the purpose, recipient or amount of the wire transfer. 
Despite my request to transfer {$140.00}, the amount that was actually transferred was {$14000.00}. 
I was asked to text an image of New York State drivers license to XXXX at XXXX, and sent the image of my license at approximately XXXX XXXX. 
On XX/XX/XXXX, I realized that {$14000.00}, rather than my requested {$140.00}, had been debited from my checking account. 
In reviewing my Chase account transactions online, I learned that an unauthorized transfer of {$2900.00} from my savings account to my checking account on XX/XX/XXXX. 
As soon as Chase opened on XX/XX/XXXX, I visited the same branch to report the incorrect wire transfer amount as a possible fraud, but was told by XXXX, an employee at the Chase branch, to call Chase customer service instead. 
Speaking again with XXXX, I was told that a check of {$15000.00} was written and deposited in my name. I printed a copy of the image of the check that XXXX said that he was depositing for me. 
On XX/XX/XXXX, I returned to the same Chase branch for help with the fraudulent wire transfer and the unauthorized savings-to-checking transfer, after being on hold with Chase customer service for many hours, but was again told to call Chase customer service. 

I called the XXXX XXXX Police Department and reported the fraud to Officer XXXX XXXX ( XXXX ). 
On XX/XX/XXXX, My daughter accompanied me to the same Chase branch to report the fraudulent wire transfer but was told by XXXX XXXX that he remembers me talking to XXXX but we cant help with international wire transfers. This was an incorrect description of the situation : the transfer was in fact domestic, to XXXX account no. XXXX, as stated above. 
I asked another representative at Chase to finally write an official report regarding the fraudulent wire transfer and to call the Chase Fraud hotline. I also wrote Attorney General, Senator XXXX, FTC, FBI/IC3 etc. I called the recipient bank XXXX XXXX  in CA, as well as reported the fraudulent check to XXXX XXXX XXXX, and the imposter to XXXX  XXXX/XXXX  XXXX. However, XXXX  and the help of NY congresswoman XXXX XXXX has been the most helpful.
Product: Credit reporting or other personal consumer reports

Dear Experian Legal Department, This letter serves as a formal complaint against Experian for systemic violations of the Fair Credit Reporting Act ( FCRA ) regarding the handling of disputed accounts and the continued reporting of inaccurate information. The accounts in question include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Both accounts have been removed from my XXXX and XXXX credit reports, yet Experian continues to report them inaccurately. This inconsistent reporting not only harms my creditworthiness but also reflects Experians failure to comply with its obligations under the FCRA to ensure maximum possible accuracy Violations and Concerns 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Experian has failed to maintain reasonable procedures to ensure the accuracy of information on my credit report. The continued reporting of these accountsdespite their removal by XXXX and XXXX serious concerns about XXXX commitment to fair and accurate reporting. 

2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) Experians investigations into my disputes have been insufficient and negligent. Specifically : Experian has relied solely on Automated Credit Dispute Verification ( ACDV ) responses from the furnishers without conducting an independent or thorough investigation. 
NeitheXXXX XXXX XXXX XXXX XXXX XXXX XXXX has provided substantiating documentation to verify the accuracy of these accounts.

3. Failure to Verify Timing of Notice ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) Under FCRA Section 623 ( a ) ( 7 ), creditors are required to notify consumers in writing within 30 days of furnishing negative information. 
There is no evidence that either XXXXXXXX XXXX XXXX XXXX XXXX XXXX  provided such notices before or after reporting these accounts. 
Experians continued reporting of these accounts without verifying compliance with this requirement is a procedural failure that exacerbates the harm to my credit profile.

4. Reporting of Inconsistent and Inaccurate Information The accounts in question reflect inaccuracies and inconsistencies that should have been resolved during the dispute process : XXXX XXXX XXXX ( Account Number : XXXX ) : This account displays conflicting payment history and inaccuracies regarding delinquency timelines. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This account reflects inconsistent payment statuses and appears to extend the reporting timeline unjustly. 

The fact that XXXX and XXXX have removed these accounts further highlights Experians failure to properly address their inaccuracies. 

5. Failure to Notify of Dispute ( 15 U.S.C. 1681i ( a ) ( 2 ) ) Experian failed to notify me in writing of its receipt of my dispute within five business days, as required by law. I demand documentation proving that proper notification was sent, including dates, tracking numbers, and content of the communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX Bank, that 2 accounts that I have with them, that have been paid on time for the last 17 months, were indiscremantly closed by TransUnion, as a result of a review by TransUnion. XXXX said that TransUnion felt that it was in the best interest of protecting the account, ( that was paid on time perfectly!!! ) by closing it. I have NEVER herd of a Credit Bureau Closing an account. That is the responsibility of the credit grantor. The bureau just reports the information, that it receives from the grantor. 
I am being taken advantage of and need this resolved!! XXXX  is stating that while the accounts are closed, and show a ZERO BALANCE on the report, that I still need to pay them?? So they close my account, affect my credit rating AND want me to continue to pay?? This make no sense and we are living in an alternate universe. 
Please advise if a credit bureau is permitted to close credit accounts, if they are not directed to do so by the grantor. That would mean, that XXXX is lying about TransUnion closing the account, and they closed it for whatever reason. They granted the credit, I have paid perfectly on the account and now they close it. Unbelievable ....
Product: Credit reporting or other personal consumer reports

I have contacted Equifax several times to report erronous information appearing on my credit report. According to The Fair Credit Reporting Act, erroneous information can not be reported to credit reporting agencies. There is a XXXX ( XXXX ) year dispute with a prior property management company regarding an alleged repair. I have requested the worker order, but XXXX reports they do not have any work orders prior to XXXX when they acquired XXXX XXXX Account. They suggest the 7 year old work order/invoice may be in a box in a storage facility. A work order dispute does not equate to assessments. 

XXXX XXXX XXXX ( reporting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) . This company has first reported a deliquent balance of $ XXXX this caused my credit score to drop with Equifax by XXXX plus points ( XXXX ). They are reporting the account was opened, XX/XX/XXXX and 60 days past due as of XX/XX/XXXX, last activity XX/XX/XXXX, scheduled payments $ XXXX. I always pay my assesssments by the XXXX of the month. XXXX often assess late charges when assessments are not late and have reversed several late fees. 

This is inaccurate. My HOA account was established XX/XX/XXXX the assessments were $ XXXX from XXXX. In XX/XX/XXXX, the HOA fees increased to $ XXXX. I have never had a late payment. 

This information is erroneous as my assessments $ XXXX are current. I do not have any late payments. 

XXXX XXXX XXXX again reported the following to Equifax erroneous information as follows : The account was opened XX/XX/XXXX, amount deliquent is {$1800.00}, XX/XX/XXXX. This caused my score to drop an additional XXXX plus points. 

I have attached my XXXX XXXX XXXX XXXX Transaction History XXXX. It is evident that my assessments of {$270.00} are paid early every month. XXXX XXXX XXXX have violated the Fair Credit Reporting Act by reporting inaccurate, erroneous information to Equifax and by law it must be removed. I am suffering serious credit injury as a result of this inaccurate/erroneous reporting. 

Please review the payment ledger of XXXXXXXX XXXX managed by XXXX XXXX
Product: Credit card or prepaid card

Made a purchase several months ago at Old Navy for {$55.00}. I received a bill after the due date last month. I payed {$230.00} the amount in full. This month I receive another bill after the due date with late charges of {$48.00}. Don't know if I can ever stop this company for sending me a bill after the due date and charging me late fees. The problem from this fraud is I purchase {$55.00} in goods and have paid total of XXXX dollars and still owe {$48.00}. Take the XXXX dollars and send my money back to me. The company is From XXXX  rewards XXXX. Perfect scam to take people 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00}
Product: Debt collection

I received 3 emails from Resurgent Capital Services stating I owed money to LVNV Funding LLC. The first email I got on XX/XX/year> threatened to turn my debt over to an attorney if I didn't respond within 12 weeks. The second 2 emails came on XX/XX/year> and XX/XX/year>, both provided links to settle my debt and/or set up a payment plan. I didn't see the first 2 emails due to the holidays and not regularly checking my email. I called Resurgent on XX/XX/year> and asked for more information about who this debt was owed to because I wasn't aware of any debts I had. The woman I spoke with asked for the last 4 digits of my social security number, how to spell my first name and my email address. Once I gave my email address the woman said the email was intended for someone with a similar name and not myself, she said she would remove my email address from the communication. I asked the for the name of the person it was intended for and she wouldn't tell me. This was very scary experience, I hope Resurgent Capital Services and LVNV Funding LLC are held accountable so it doesn't happen to others in the future.
Product: Mortgage

The property location was XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. 
The oustanding loan balance was approximately {>= $1,000,000}. 
My investment in the property was approximately {>= $1,000,000}. 
I attempted a loan modification for approximately two years. 
The loan mod people at WF were grossly incompetent. 
Meanwhile, WF double tracked me, which is illegal. 
WF foreclosed in summer of 2013. 
I lost approximately {>= $1,000,000}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX XX/XX/year> Re : Unauthorized Credit Inquiry To Whom it May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that XXXX do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. 
Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that XXXX XXXX  reserving the right to take civil action if necessary. 
Thank you, XXXX XXXX XXXX
Product: Checking or savings account

Wise changed the interest rate on my USD balance+ account several times without providing any direct notice to customers, resulting in financial loss and unnecessary frustration. While Wise claims their terms allow rate changes without " prior notice, '' this clause is being misinterpreted to absolve them of notifying customers at all, which undermines transparency, consumer trust, and legal compliance. 

KEY CONCERNS " No Prior Notice '' Does Not Mean " No Notice At All '' : Wise 's terms state that interest rates are variable and subject to change without prior notice. However, this does not absolve Wise of the responsibility to notify customers within a reasonable timeframe after the change occurs, particularly when it negatively impacts financial returns. The complete lack of direct communication demonstrates a disregard for fair dealing and customer expectations. 

Potential Non-Compliance with the Truth in Savings Act ( TISA ) : Under TISA ( Regulation DD ), financial institutions are required to provide advance notice of changes to terms that reduce the Annual Percentage Yield ( APY ) or adversely affect customers.

Wises reliance on posting updates to their website or blog does not meet the TISA standard for direct and timely communication.

If Wise is claiming that no advance or direct notice is required at all, this policy appears to contravene the laws requirements for transparency and consumer protection.

Transparency and Customer Trust : Wise claims to maintain transparency by providing updated rates on their website or blog. However, expecting customers to monitor external sources regularly for changes affecting their accounts is both unreasonable and insufficient. Direct notifications ( via email ans app alerts ) are the industry standard and should have been used in this instance.

Unnecessary Stress and Time Loss : The lack of transparency and accountability of Wise caused me to spend significant time investigating the issue, contacting support, and lodging this complaint. Wises refusal to provide meaningful resolution or compensation has only added to the frustration and inconvenience.

SUPPORTING DOCUMENTATION - Wises response letter ( dated XX/XX/year> ), which confirms their failure to provide direct communication and references the " no prior notice '' clause. 
- The program terms cited by Wise, which emphasize variable rates but fail to address reasonable notification obligations adequately. 

CLOSING STATEMENT Consumers have a right to be informed about changes that impact their finances, even if prior notice is not required. Wises failure to provide any direct notification about the rate change demonstrates a lack of transparency and potential non-compliance with the Truth in Savings Act ( TISA ). I urge the CFPB to investigate this matter thoroughly and ensure Wises policies align with legal requirements and industry standards.
Product: Mortgage

Refusal to comply to questions regarding Predatory Lending violations of CT Predatory lending law by telemarketing. 
No mortgage protection insurance offered to 2 elderly people aged XXXX and XXXX years of age. 
Refusal to release information of 2 telemarketers : XXXX XXXX XXXX XXXX XXXX. 
Refusal to release transcript of telemarketers. 
No offer of better program to suit an XXXX & XXXX year old couple except to offer a XXXX yr.refi. which an XXXX & XXXX yr. old would never live to repay and render the one survivor into foreclosure or homelessness on one monthly social security stipend. 
No attorney present to answer borrowers questions. 
Parents are now deceased & their home was quit claimed to me. I made payments for 3 and 1/2 years until learning of the loan 's fraudulent inception and began asking questions to no avail. That is when I ceased making payments. 
However, under stress from Wells Fargo I offered {$20000.00} as a " short pay off '' from a reverse lender. Wells Fargo refused the offer. The XXXX loan was for {$81000.00} & the {$20000.00} offer would have brought the loan to {$91000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint Against Ability Recovery Services LLC Dear Consumer Financial Protection Bureau : I am filing a formal complaint against Ability Recovery Services LLC, a debt collection agency, for repeated violations of my rights under federal regulations : 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Attempting to collect a debt I do not owe, or attempting to collect an amount greater than I owe.

12 CFR 1006.34 ( b ) ( 5 ) : Continuing collection attempts after receiving a written request to cease communication.

12 CFR 1006.34 ( d ) : Making misleading representations and using deceptive means to collect a debt.

15 USC 1681-S2 ( 7 ) ( A ) : Harassing, oppressing, or abusing me in connection with the collection of a debt Also this debt is passed of the statute of limitation of the state of North Carolina according to the bill the date service was 06/22/2021 I respectfully request the following : Cessation of Contact : Immediate cessation of all debt collection attempts by Ability Recovery Services LLC .

Validation of Debt : I request that Ability Recovery Services LLC provide clear validation of the alleged debt in compliance with federal regulations. 
Investigation : I request a thorough investigation into Ability Recovery Services LLC and their collection practices. 
Compensation ( If Applicable ) : If applicable, I request to be compensated for any damages incurred due to the company 's violations. 
Thank you for your attention to this urgent matter. I anticipate your prompt review of my complaint. 

Sincerely, [ Your Signature ]
Product: Money transfer, virtual currency, or money service

Im 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 impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XXXX Balance {$1800.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$25000.00} Status Open.
Product: Student loan

I saved up enough money to pay off XXXX of my student loans entirely, with the intentions of reducing my monthly payments. To confirm that the payment would in fact pay-off the specific loan and reduce my monthly payment I had called Navient 's support group. After having previous experiences with payments not being applied as requested, I figured I would cover all aspects of any fine print with a Navient representative. Being reassured that paying off this loan would in fact reduce my monthly bill, I " pulled-the-trigger '' with the planned payment. Unfortunately my efforts to pay off this loan completely had no benefit towards me. To my surprise, my bill actually increased after I paid off a $ XXXX loan! How could this be? Especially after being told the complete opposite from a Navient representative ...