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

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file to the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX {$14000.00} Account Info Account Number XXXX Date Opened XX/XX/year> Account Charged Off XXXX - XXXX XXXX  {$14000.00} Account Info Account Number XXXX Date Opened XX/XX/year> Account Charged Off XXXX XXXX XXXX XXXX XXXX {$14000.00} Account Info Account Number XXXX Date Opened XX/XX/year> Account Charged Off
Product: Checking or savings account

My account has been wiped twice and PayPal hasnt done anything about. The first time my dispute was denied and just forgot about. Now its happened again and my dispute was denied in less than 30 minutes. Im not sure what type of investigation they are doing but this is unacceptable. Both times a card was account my account I did not add. If they investigated they would know thats not my card! I want my money ASAP I dont even understand how PayPal allowed this to happen. In total this person has taken {$1000.00} XXXX  from me. I need someone to help me with this issue. PayPal has to start being held accountable! These are the dispute case numbers XXXX XXXX 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 Account number XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number 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
Product: Checking or savings account

Hello my name is XXXX XXXX, Im contacting you all because I dont know what to do I dont know where to start. But I have an account with credit karma money spend and my money keep coming up missing out my account. It has to be an inside Job they wont give me my money back. XXXX 6 times and they are not investigating or doing anything please help ( credit karma money spend )
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems my information might have been stolen in the Equifax security breach. I 've put a 90 day fraud alert on my credit file, as instructed by resources online. This has been a frightening and inconvenient situation.
Product: Credit card or prepaid card

I have been trying to track down and/or receive a credit balance of approximately {$11000.00} resulting from a misdirected overpayment of {$15000.00}. This has been going on since XX/XX/2018.
Product: Money transfer, virtual currency, or money service

Ive been using Zelle since I opened my first bank account and never had an issue, until I did. I would randomly receive small amounts of money that wouldnt be noticeable to anyone else but was noticeable to me. For example itll be + {$2.00} on Monday- {$6.00} on Wednesday then + {$1.00} on Thursday. Itll be zelle payments from random names. Then one day they took {$400.00} out of my account. Then when I go to open my bank account its closed. They told me they didnt have to give me reason on why they closed my account and that it wasnt any funds in the account when it was closed. They said if it was it would be sent in the mail and I never received a dime ( XXXX XXXX XXXX )
Product: Vehicle loan or lease

A withdrawal of XXXX on XX/XX/2021 took place in order to payoff a lien from a Wells Fargo Auto account. The next payoff amount on the lien of the vehicle was made on XX/XX/2021 in the amount of XXXX. This would be to fully satisfy and release the lien on the vehicle. We received the title for the vehicle in the mail, with the certification that this was fully satisfied on XX/XX/2021. 

We then received a statement in the mail stating that we owed money. This statement was dated XX/XX/2021 with an account statement that we owed XXXX Wells Fargo Auto then sent us a letter XXXX XXXX stating that there was a system outage and they were unable to process our account payoff of the vehicle. The outage was on XX/XX/2021 and XX/XX/2021. This outage happens to be at the same time our payments were satisfied. In the letter it states, that there will be a reversal of payment back into our account. There was no deposit back into our Wells Fargo checking account. 
This only shows the two withdrawals on XX/XX/2021 and XX/XX/2021 with no reversal from the " outage ''. 

I have reached out to many Wells Fargo customer service reps, with no help at all. There were numerous reps that led me down a rabbit hole, with nothing to show for, or a response that made me think they weren't taking this seriously. 

I have put in one complaint with the help of CFPB, with a response from Wells Fargo Auto. This was done on XX/XX/2021. I just received a status update from the Wells Fargo complaint management office on XX/XX/2021. My case # XXXX with XXXX XXXX. After a month of working on my case, Wells Fargo has come to the conclusion that this was not fulfilled due to the XXXX outage. They are stating the payment was made on XX/XX/2021, and never actually taken out, this is not true. My transaction history in my checking account clearly shows there was a payment withdrawn from my account on XX/XX/2021 and another on XX/XX/2021. They are stating that this was not debited according to their research. In conclusion, they are showing a balance of XXXX. They now want us to send back our title to XXXX XXXX, Wells Fargo Auto, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX. I feel like this is not being resolved, but only a bully maneuver attack by a big corporation, and not owning up to a mistake. 

A solution is for Wells Fargo to own up to their mistake, find where our money went, and to clearly release this from payment. We paid this in full, outage or no outage, nothing was credited to our account. We received the title and certificate that this was satisfied. This now needs to be resolved on the ownership of Wells Fargo Auto company. 

I would like them to stop sending me statements stating we owe them money, and a release of this company. This is a scam on their part, and needs to be dealt with immediately. 

Please review this case again. They are subject to their " outage '' mistake. 

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

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT ED/XXXX XXXX {$4800.00} XXXX XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX $ XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX {$84.00} XXXX/XXXX   XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} AEA FCU XXXX {$2000.00}
Product: Debt collection

I was scheduled for an appointment on XX/XX/XXXX for a " XXXX XXXX XXXX '', which entailed screening for XXXX XXXX XXXX as well as XXXX screening, among other things. In XX/XX/XXXX I was called with regards to collection of this " medical debt '', which confused me due to having medical insurance. I was instructed to submit a payment to prevent this debt from being reported to credit bureaus and so I submitted a payment of {$36.00} to XXXX XXXX XXXX XXXX to stop the calls. The same day I had called my insurance company ( XXXX XXXX XXXX XXXX Texas ) and it was revealed to me that I did not have a financial obligation towards this debt, and that my out-of-pocket cost for this procedure is, in fact, {$0.00}. I was further instructed to disregard any requests for payment as they are not valid. 

XX/XX/XXXX I had called my insurance provider again due to receiving phone calls stating I was not honoring the payment plan i had initially set up in XXXX XXXX.At this point it was sent to a debt collector ( XXXX XXXX XXXX ) for payment. I had spoken to an agent XXXX XXXX of XXXX XXXX XXXX XXXX of whom called the collection agency and spoke on my behalf regarding this debt, and stated the fact that it was not valid. She submitted documentation of my financial obligation via email. This debt has since been sold to the Financial Corporation of America. They continue to call me in reference to this medical debt that I do not owe. I have also explained the same situation to them in vain.
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 content 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 infeasible. The CFPB 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

Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of XXXX, XXXX and TransUnion, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX According to the provisions of the Fair Credit Reporting Act, please remove these items from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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. 

XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

it is illegal to report transaction history. also in wells fargo pivacy agreement they promised not to share my private information with non affiliates. please remove any and all utilization from my credit report because i am now opting out of sharing INDEFINITELY as i have the right to do so. All three credit bureaus are non affiliates and for no reason should they have my utilization information. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time Attached is my opt out letter i sent 2 weeks ago.
Product: Credit card

I opened a credit card account with XXXX XXXX last year and almost from the beginning I started getting fraudulent charges. I referred them to the credit card company and trusted they will be handled properly. I noticed that some of them were dealt with but recently I went through all my transactions and noticed that they are many more fraudulent charges on my account. So I called XXXX XXXX yesterday ( XXXX XXXX, 2016 ) and spoke to a gentleman who promised to take care of all my needs, including initiating a security closure of my account that was supposed to be effective immediately, i.e., yesterday XXXX XXXX, 2016. Today ( XXXX XXXX, 2016 ), I received an alert email from XXXX XXXX showing that my account is still active and that it has been charged with XXXX new fraudulent transactions from XXXX different states. The manager at XXXX XXXX with whom I spoke today is XXXX ( ID XXXX, Maryland office ). She promised to initiate an internal investigation to determine why her colleague did not do his job yesterday which caused my account to get additional fraudulent charges.
Product: Debt collection

Institution Information : KINUM INC Date of collections : XX/XX/2023 Date of Inquiry : XX/XX/2023 Collection amount : {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have reached out to the institution about the account informing that it doesnt belong to whatsoever nor have I gave this institution permission to open up account within my information in the first place. They cant even verify no information of address or identification that verifies to me with email or phone number or a confirmation number of me even open the account. The count as well is hurting my credit score because they say that is in collections due to no payments or late payments. The account is reporting only to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any responsibility for ACIMA is trying to collect. In XXXX, I was charged a payment by ACIMA without my permission, and I disputed this information immediately with XXXX XXXX, who returned the funds taken. I have not had funds taken since that date by ACIMA, however I have discovered a XXXX term lease from ACIMA CREDIT XXXX XXXX  with an original balance of {$1700.00} opened in XXXX of 2020 on my credit report. This reporting is inaccurate because I am unfamiliar with ACIMA CREDIT XXXX XXXX, and did not sign up for ANY lease, loan, rental or purchase agreement in the month of XXXX at all. I have no information at all received from ACIMA in regard to this debt or any attempt to collect this debt besides the attempt to take funds from my account without my permission, and ACIMAs reporting of the debt on my credit report. 

I attempted to call them to get information, they are unfamiliar with my contact information. I emailed their fraud department which sent an automated response to reach out via phone, so I am being sent in circles. 
I am also sending a letter to their business address directly, but I never opened any account with this company, and have never received any information as to any agreement I signed, nor any invoices or bills regarding payments due.
Product: Vehicle loan or lease

I got my XXXX car loan from XXXX XXXX and had a credit score of XXXX at the time. I was told by the manager that my credit score is extremely low and that only the financial institution of Toyota would give me a car loan. He told me that he made efforts for a low interest rate of 19.34 % which I still have up to know. I told him that was very high but he strike back saying I am only making a {$4000.00} deposit on a {$33000.00} car and that I would be able to lower my interest rate after one year. I later found out that ( lowering interest rate ) was a lie because when I called Toyota they directed me to other unknown loaners who ended up messing my credit score more  without even lowering my interest rate XXXX cent. 
A friend to mine who lives in California told me Toyota and other financial institutions and car dealers were found guilty of discriminatory car loans to XXXX XXXX and that I should get in touch with the Consumer Bureau. I am XXXX XXXX and I am not making an accusation about Toyota of racial discrimination, but I would like to find out when I was given my car on loan on XXXX XXXX for a XXXX Toyota Highlander, was a 19.35 % loan acceptable or discriminatory. I have so far ask a lot of drivers in the same situation but I find it curious that some people with worst credit than mine had better interest than me from different Toyota dealers.
Product: Credit card

In XXXXXXXX XXXX XXXX  I opened a Sephora Credit Card to earn rewards. I used the card and had a balance of XXXX. I never received my card in the mail and so I had to call the company to get help logging into the site so I could pay the bill on time. It was already 1 day late so I was told to make the payment right then and that they would be able to waive the late fee. So I entered my banking information and paid the bill right then and there on XX/XX/XXXX I realized days later on XX/XX/XXXX I received a " RETURNED CHECK CHG '' on my account because I apparently made a small typo when I entered my account number. So I went online, added my CORRECT information and paid the new balance of {$280.00} in full, minus the {$30.00} fee which I called to get waived. They said they are " allowed '' to charge me that fee. I asked for a supervisor who said the same thing and basically laughed at me. I tried to call a second time in XXXX for the same reason except now, the card had automatically run a payment from my old information, so I was charge a second fee, this time for {$40.00}. I called and asked to have that one removed to which I was told no again. I messaged on their internal messaging system about this issue and have gotten responses back from a XXXX, with no information what so ever. So I now owe ( XX/XX/XXXX ) the card {$76.00} for {$70.00} in RETURN CHECK CHG, which was a TYPO, not insufficient funds, and {$6.00} in finance. It's a disgrace that they can fleece people of their money with such fees for a simple mistake that was quickly fixed and the bill was paid in full. The White House is currently trying to stop these fees and with that momentum I hope this can be resolved.
Product: Credit reporting or other personal consumer reports

This creditor was reporting an account with all 3 credit bureaus using my personal information without my authorization. I disputed the account with 3 bureaus and the creditor under the same UCC Law. After the results were complete the account was deleted from XXXX but was updated as verified with XXXX and XXXX XXXX. I asked the creditor to delete that account from the other 2 bureaus as well because clearly there was inaccurate information being reported from this one account. I followed up with another dispute only for the company not to delete the items. Pursuant to 15 usc1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( a ) Reporting information with actual knowledge of errors ( b ) Reporting information after notice and confirmation of errors this company is in violation if several laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a late payment for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. With today being XXXX its not even 30 days since the due date so its not 30days late. 

2- payment show {$43.00} past due. So payment was made 3- the account is on auto pay each month with them so they take the payment out on the XXXX each month
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute the inaccurate information appearing on my credit report in accordance with 15 U.S. Code 1681o, which holds that consumer credit reporting agencies must ensure the accuracy and fairness of credit reporting. The following accounts, listed as negative, are incorrect, and I request an immediate investigation and resolution of these errors : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) After reviewing my credit report, I found that these accounts are incorrectly reported as negative. I believe these accounts are either erroneous or have been reported in violation of the Fair Credit Reporting Act ( FCRA ). 

In accordance with 15 U.S. Code 1681i, I request that you investigate these accounts and remove any inaccurate information within the legally prescribed 30-day period. If you can not verify the validity of these accounts, I kindly ask that they be removed from my credit report. 

Please notify me of the results of your investigation, and provide a corrected copy of my credit report if changes are made. 

I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this dispute. 

Sincerely, XXXX XXXX