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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a business loan with XXXX XXXX on XX/XX/21 that is a collection with a balance of {$47000.00}. There are also several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that has brought significant flaws within the platform to light. Despite being a frequent user of Zelle, I have encountered discrepancies that I reported to both my financial institution and Zelle. However, my concerns were not thoroughly investigated. Instead, I was informed that recovering the lost funds was not possible and that the transactions could not be adequately traced. The CFPBs findings underscore that Zelle has not only failed to prioritize consumer protection but has also created an environment where repeat offenders can exploit the platform, leaving users exposed to scams.
Product: Student loan

EdFinancial is claiming that I can not access my student loans because of an active Borrower 's Defense case. When attempting to log into the website I receive the error code included in the attachment. I have reached a customer service rep twice and was told that I could not access the account due to the Borrower 's Defense case. I called StudentAid.gov and Borrower 's Defense, neither customer rep had heard of a servicer restricting borrowers from accessing their loans due to Borrower 's Defense.

The issue is that although the loans are in forbearance, they are still accruing interest. I need to be able to access my account to pay down the interest. My initial plan was to make a lump sum payment of half the loan balance on day one to accrue less interest. I planned to continue to pay down the loan as usual as Borrower 's Defense will issue refund checks if a loan is paid while under review. The Borrower 's Defense case will take until 2025 to be resolved so I am not accruing another year of interest while I wait for something that most likely will not lead to a discharge anyway. Every day that I can not access the account I am accruing interest and losing money. EdFinancial is robbing me and others ( issue is widespread on online forums ). They have released NO information on the issue.

To add to this it has been impossible to contact them and their CSR 's are not educated. Phone lines are backed up sometimes more than 400+ minutes. When you do get an answer they immediately hang up. The option to call back has worked for me only twice despite 2 weeks of daily attempts to contact them. They do not respond to emails and their online chat function does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my previousecomplaint that involved 2 Credit Reporting Companies. I recieved a partial response and only from one of the companies before CFPB closed the complaint with NO resolution and again a partial response. So first my XXXX XXXX XXXX  account was never late not even the 1 time both companies show. XXXX  and TransUnion. Nor was it closed as a negative as Transunion shows. XXXX  is the only company with the correct information. Also in the botched response previously recieved from TransUnion and the suggestion from CFPB before they actually read the complaint and made sure the responce we completed by both companies and that the false information provided by TransUnion was accurate and closed the complaint, the information provided from your response of me being able to contact and dispute the information online is not correct. I have attempted numerous times over the past 6 months to try and get these issues fixed. When you try to submit online it tells you TransUnion is unable to receive disputes online. I also have sent numerous letters will all required information with no response from TransUnion.
Product: Checking or savings account

I was selling a household goods item - the person that bought it sent me a Wells Fargo Check for {$2000.00}. I deposited it into my Wells Fargo checking account. The company picking up the item for the individual was paid by me out of that {$2000.00} - a sum of {$1000.00} to pick up and transport the item ( about 40 feet of solid surface countertops, a sink, and a range ). As it turns out, it was fraudulent - the persons that sent me the check fraudlently drew a check on someones account, sent it to me. The bank took the {$2000.00} from my account, of which only {$1000.00} was left. So ... I am out {$1000.00}, the person to whom it was taken from is whole, the fraud perpetrator is up {$1000.00}, the bank is whole - it was a Wells Fargo check and I deposited it into a Wells Fargo account. I am the only one that was punished and I was as much a victim of the fraud as the other person. I thought fraud protection was one of the things the bank was supposed to help prevent, help make clients whole ( they do it for credit cards that they charge you 20 % on ). I have copies and specific dates as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus. They are reporting a bankruptcy on my credit report. Legally they can not list bankruptcy on my record.

I obtained my credit reports on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both informed me they do not report this information to anyone. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Product: Credit reporting or other personal consumer reports

I dont think you realize just how stressful this situation is for me. These inaccuracies on my credit report are making things even worse, and its like a never-ending nightmare. Ive been trying to get this fixed for the past XXXX months and havent heard back. Im really struggling here and need this resolved urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last XX/XX/2022 that you Close the COMPLAINT # that I sent on XX/XX/2022 to Investigate the Erroneous Accounts : XXXX XXXX XXXX that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> Moneylion started an unauthorized withdrawal out of my checking account in the amount if {$280.00}. I put a dispute with my bank and I also went to the Moneylion website to cancel the subscription for membership services and I was not allowed. They keep trying to take money out of your account and meanwhile also keep charging subscription charges. Feels like a trap.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized inquiries and personal information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FIFTH THIRD BANK XX/XX/XXXX NCC/WOLFCHASE XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SYNCB/PAYPAL XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX XXXX XXXX XX/XX/XXXX SYNCB/PAYPAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO FINANCE XX/XX/XXXX FIRST XXXX BANK XX/XX/XXXX CREDIT XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX SYNCB/PAYPAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/year> Nature of Complaint : On [ XXXX XXXX XXXX XXXX XXXX XXXX ], I submitted a dispute to Transunion disputing a late payment reported by. XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company. 
I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Transunion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and need to be removed from my credit report immediately. I am a victim of identity theft and did not make these charges whatsoever. I also included the FTC affidavits. The alleged accounts are listed in the affidavit. Please remove this accounts as soon as possible as they are causing me substantial harm as a consumer. This is not a third party, I XXXX XXXX am making this complaint.
Product: Mortgage

Chase Bank is continuing it's institutional racism business practices, and collude with credit reporting agencies XXXX, XXXX, XXXX in erroneously inaccurately reporting my XX/XX/2019 mortgage payment as 30, or more days late. 

( Attached ) is my XX/XX/2019 payment receipt, which clearly shows that my payment was timely made at XXXX XXXX on XX/XX/19 which I have forwarded to ALL 3 credit reporting agencies requesting that they properly correct, and update their reportings to NO AVAIL .... 

This again is Chase implementing their institutional XXXX business practice to disparage, and suppress my creditworthiness, and employment viability.
Product: Mortgage

I was shopping around for a refinance company, and Loan Depot called me. We discussed the process and the representative kept asking if he had my full commitment. He already had the numbers and was very pushy throughout this very long phone call. I asked if I could continue looking. The representative said of course I could however I would not find the same rates. They also said it would take 30-45 days for closing. 

After doing more research on Loan Depot and the refinancing process I decided not to go with Loan Depot and emailed the representative the very next day stating I did not want to move forward with them on the refinancing and asked for my valuation fee of {$420.00} back. 

The representative replied stating that they just needed a few more documents from me and the valuation to move forward. I again replied that I was not comfortable and that I would not be moving forward with them. 

I spoke with three different inspectors and asked them to cancel the valuation. I spoke with Loan Depot XX/XX/XXXX and asked when this loan would be closed and I would receive my credit, I was told it should be within 24-48 hours. This has been ongoing since XX/XX/XXXX. 

During this process with Loan Depot I have felt pushed into something I really didnt understand and was told that no one needed to know my husband and I are divorcing to refinance, I was charged on a card that had just gotten paid down, which the representative also knew about and when I wanted to cancel the representative kept pushing me to answer why even after I told them several times, I just dont feel right about it. I was also told that I was on a recorded line several times agreeing to the commitment. 

It is my right to change my mind. The valuation was never done and I would not recommend Loan Depot, very pushy and not very explanatory and I still havent gotten my money back as stated.
Product: Mortgage

I took a loan for {$110000.00} with PNC bank on XX/XX/XXXX. I made payments of {$1000.00} a month for nearly three years. In XX/XX/XXXX I lost a well paying job but still maintained my payments as long as I could. The final amount was {$100000.00} on XX/XX/XXXX. 

I started trying to try to make the payments again only to find it was charged off in XX/XX/XXXX. I paid {$14000.00} while not knowing the bank had added the charges below. 
Below is a list of charges post charge off the bank added to my loan : XX/XX/XXXX 1. ) {$4400.00} and 2. ) {$19.00} XX/XX/XXXX 1. ) {$15000.00} XX/XX/XXXX 1. ) {$1300.00} XX/XX/XXXX 1. ) {$1600.00} Adding a total of {$22000.00}. What is extremely odd is I started trying to pay the debt in early XX/XX/XXXX. My understanding is that banks ca n't charge interest on debt that has been written off. I have tried twice to come to a settlement but find their practices invasive and offensive given they treat the extra add-ons as normal. 

There is a discord between what is owed to the bank on the deed ( {$110000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am presently going through a refinance of my home with XXXX XXXX XXXX XXXX. Prior to selecting them, I contacted several other mortgage companies so I could compare rates and fees. I got a copy of my credit report and I saw several hard inquiries from companies that I did not authorize. 

1. Credit Technologies -XX/XX/XXXX. Called the company at XXXX and was told they pulled my credit for XXXX XXXX, a mortgage broker at XXXX XXXX XXXX ( XXXX ). XXXX did my mortgage for a home I had built in XXXX. I sent him an email simply asking what their current rates were and a break down of their fees. I did NOT complete an application nor give him approval to pull my credit. He emailed back with the info I asked - he never mentioned he had made a hard inquiry of my credit. I called today and spoke with XXXX XXXX, the manager at XXXX XXXX XXXX ( XXXX ) and XXXX tried to tell me that " XXXX had to do that in order to get you the most accurate rate. '' I told him that it was illegal to pull my credit without my authorization and he said they " can pull anyone 's credit anytime '' - he also added that he " did n't know how to remove those, anyways. '' 2. Another inquiry from last summer, also from Credit Technologies. This one was pulled for XXXX XXXX ( XXXX ), a company I 've never heard of nor dealt with. The girl who answered the phone said that mortgage broker " is no longer with the company '' - she pulled a file and said she had a " hand-written application '' - some of the info was mine, but a lot of it was not. I was told the owner, XXXX XXXX was " out of town but the message would be passed on. When I told her I wanted the hard inquiry removed from my credit - she said " oh those do n't do anything to your credit. ''
Product: Credit reporting or other personal consumer reports

I requested verification for account ( XXXX ) XXXX XXXX XXXX from Experian and never received any documentation verifying the account. This unverified account is damaging my creditworthiness and cause me to be denied access to credit.
Product: Credit reporting or other personal consumer reports

Wells Fargo Auto, I am writing to formally dispute the inaccurate payment history for my Wells Fargo Auto account ( Account Number : XXXX ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which allows consumers to dispute inaccurate information in their credit reports.

Account Details : Account Name : Wells Fargo Auto Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) Nature of Dispute : The payment history for this account indicates that I had late payments during XXXX and XX/XX/XXXX. However, this information is inaccurate, as the account was in deferment during that time. Therefore, there should be no record of late payments for those months. 

Requested Action : I request that you immediately correct the payment history for this account to reflect that there were no late payments during the specified period. If these inaccuracies can not be corrected, I ask for the complete removal of this account from my credit report, as it does not accurately represent my payment history. 
Please provide me with the results of your investigation as required by 15 U.S.C. 1681i. Additionally, I request a corrected copy of my credit report reflecting any changes made.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received updated copies of my XXXX and XXXX credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX  ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of closed accounts showing active. They are still reporting each month.