23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Wells Fargo robbed me. On Thursday XX/XX/2021 I was not able to make a credit card payment from the drive-through so I went inside breathing during a pandemic and waited. I had tried to pay earlier on drive through and could not. So finally I was given my total of {$65.00} owed and paid my bill in full with cash. The Wells Fargo representative gave me a receipt immediately. There was nothing printed on the receipt about holding the cash payment. The Wells Fargo agent did not say anything about the automatic payment being charged. When I checked my account online later that day it said that I owed nothing and the {$65.00} was credit pending. 
When I called on XX/XX/XXXX, I talked with XXXX who transferred me to XXXX. I reported to her that I saw online that the credit was still pending and that WF had removed XXXX from bank account. XXXX said that I had autopay and I said that was to pay debts owed, not debts imagined. XXXX said that it could take up to 5 business day for a payment to post. I asked why WF presented a receipt for cash as received but held the payment in hidden accounts. I asked why WF was defrauding me by telling me how much the bill was, taking the payment, not posting it, then stealing money from my bank account. XXXX then said that I had mentioned fraud so she had to transfer me to someone else in fraud. 
XXXX took my fraud complaint, saying she was noting all the details. I said that I wanted the fraudulent transaction from my bank stopped or my stolen money refunded to my bank account. XXXX said she was noting it and someone would get back to me. 
Wells Fargo continues to hold my stolen money. Wells Fargo must return the stolen money and pay any bank fees associated with this fraudulent bank draw. 
I locked the card so it could not be used, resolving to end this abusive relationship with WF. Nevertheless WF allowed a recurring charge past the lock. I disputed that charge as WF is a criminal company using my name in their criminal conspiracy to juggle money in secret accounts. WF can not transact any business on my behalf because of its commitment to theft and fraud. I told XXXX that. WF misrepresented my balance to credit agencies in accepting the charge and in stealing the money. WF also violated FDCPA in robbing money from my bank account when I had no debt, violating any autopay agreement we may have had.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I paid off in full my XXXX XXXX XXXX that I was the co-signer on with my now deceased mother, XXXX XXXX. I mailed the check in and by XXXX XXXX the check cleared. I paid the total balance of {$12000.00} to XXXX XXXX. I received a lein release letter sometime in XXXX and by the end of XXXX the account was considered as closed and paid in full on my XXXX and XXXX credit report. 

For some reason, it never cleared on my Transunion. I filed XXXX disputes to say that the account was paid Transunion denied the dispute. I called XXXX XXXX and they stated that the information was shared with the credit reporting agencies. I called Transunion and their advice was to file a third dispute. It is currently showing that I am XXXX days late although I have paid it off in full and the accounts has not been reported since XXXX XXXX. ( According to XXXX XXXX ) I am not sure what to do. Please note that XXXX XXXX misspelled my street name. It should be XXXX XXXX, not XXXX XXXX. I have uploaded XXXX files to prove that I have paid my debt to XXXX XXXX off in full. Their phone number is XXXX. My account number is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX you are in violation of the Fair Credit Reorting Act and the CFPB reguation for not reporting the complete payment history of this federal consolidation loan from XX/XX/XXXX to XX/XX/XXXX, orginated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$49000.00} and now over {$80000.00} XXXX XXXX to report to the credit reporting agency the complete payment history of the XXXX XXXX XXXX XXXX federal consolidation loan from XX/XX/XXXX to present that was terminated by the US Department of Education XX/XX/XXXX. I have not paid a penny to XXXX XXXX and have not signed a forebearance or deferrment. XXXX XXXX currently has not sent XXXX and Equifax an accurate month by month. payment history of XXXX XXXX XXXX loan and it has been over 120 days. XXXX XXXX has not sent me monthly billing statements. I have called XXXX XXXX and the representative said they have no account in my identity. XXXX and Equifax to report the complete accurate payment history on my online credit report account required by law of the fedral student loan. If XXXX, XXXX and Equifax do not report the complete accurate paymebt history on my online credit report the law state you must remove the account immediately. XXXX XXXX to obtain the approval from the XXXX Department of Education XXXX XXXX to report on my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I tried to login to Equifax to review my credit report, it was blocked. I called the same day and was given the run around on the phone. 

On XX/XX/year>, I sent a copy of my Arkansas Drivers License and Social Security Card and requested my credit report be unblocked. I received a letter from them and basically they said they couldn't verify me. On XX/XX/year>, I sent a copy of my Arkansas Drivers license, Social Security card, and XXXX XXXX XXXX XXXX to self identify and my credit profile is still blocked.
Product: Mortgage

I opened a Bank of America home equity line of credit in XXXX for the amount of {$12000.00}. I have been paying on this loan for almost 20 years, it still shows that I have a balance of almost {$4000.00}. Today, XX/XX/XXXX, I checked my credit report and looked under closed accounts and saw that the Bank of America account was closed in XXXX. However, I never received any notification or documentation of changes to my account. Last month, on XX/XX/XXXX, I logged onto my account to make a payment of {$100.00}. I tried to login today and I received a message saying they were unable to process my request because there are no eligible accounts associated with my ID, even though I did not change anything. So, it is clear that something has gone on with my account that I am not aware of, and I have been making payments for all these years. Also, the fact that I still owe this amount of money after close to 20 years of payment, is ridiculous!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block.inc, ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protections Act ( CFPA ), specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under electronic funds transfer act ( EFTA ) and regulation E.These action has significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

The vehicle was paid in full on XX/XX/scrub>XXXX  and Santander Consumer refuses to refund me my gap and service contracts. They have been paid in full and I am not told I have to wait until the dealership gets paid there portion before they will refund my over payment. Ripping me off out of XXXX XXXX XXXX
Product: Debt collection

I and my family have been contacted multiple times in the past 2-3 weeks by a company called " XXXX XXXX  '' from phone number XXXX in an attempt to collect debt which they say I owe them on a XXXX card. The most recent call was today and from a person calling herself " XXXX. '' This debt was settled in XX/XX/2016 with a debt collector named UNIFUND LLC in XXXX County Civil Court Case XXXX. This case was settled out of court between the two parties and dismissed with prejudice. " XXXX XXXX '' has provided no documentation to the effect that they have a right to collect this debt and frequently hang up on me when I ask probing questions as to their legal right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe there shouldn't be a collection i paid my bill with XXXX XXXX XXXX in full, it was equipment that was turned in a day late XXXX pardoned me and there shouldn't be a debt here is the report # XXXX XXXX XXXX XXXX gave me for this account for a follow up XXXX XXXX XXXX told me to call them in 7 days to make sure it was resolved they had no information for this collection. I have a new account with XXXX XXXX XXXX account # XXXX its not late. I think whats happening is these two accounts are being mixed up it looks like my recent account that i have now is in collection when it shouldnt be i'm sending the proof of my recent bill total owing {$64.00} which i already paid. and the old account # XXXX is on there for equipment returned a day late it wasn't put on file right away so it looks like i never returned it which i did. i can't find the confirmaition, XXXX will have to find it yet XXXX XXXX XXXX say there isn't an old account anymore. The collection agency has new account mixed up with old account closed. New account is not late at all. XXXX had no recolection of any information for me. not in collections. I need this removed immediately. im sending proof. the agency is reporting recent no wonder my credit score never goes up only down with a derogotory mark please have this removed its all wrong. im so stressed out about this. i couldn't get an auto loan and a homeloan. ive had so many im sorry we can not give you credit at this time so many. for a mixed up simple human error. Im so XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

The company name is XXXX case ID : XXXX about the transaction # XXXX and the payment I made unknowingly to a nonexistent company called XXXX XXXX. For {$85.00} on XX/XX/2022 to get a generator that will not ever come because the company doesn't exist at least when i call the number. Please also see attached video for more information.
Product: Credit reporting or other personal consumer reports

Subject : Resolution of Identity Theft-Related Derogatory Accounts on My Credit Report Dear Sir/Madam, I am writing to seek assistance in resolving the issues related to the derogatory accounts on my credit report, which are a result of identity theft. The following actions would be fair and necessary to restore my credit profile and prevent further financial harm caused by the fraudulent accounts : 1. Complete removal of the fraudulent accounts from my credit report to eliminate any negative impact on my credit score.

2. Correction of any errors or inaccuracies in the reporting of the accounts by the creditors to ensure accurate information is reflected.

3. Issuance of a formal statement from the creditors acknowledging the fraudulent nature of the accounts and confirming their closure.

4. Assurance from the creditors that no further unauthorized accounts will be opened in my name to prevent future incidents of identity theft.

5. Reimbursement or adjustment of any fees or charges incurred as a result of the fraudulent accounts to alleviate any financial burden on me.

6. Clear communication to the credit bureaus regarding the resolution of the disputed accounts to ensure accurate reporting moving forward and to prevent any reoccurrence of similar issues.

These actions are essential in restoring my credit profile, protecting me from further identity theft-related harm, and ensuring fair and accurate credit reporting.

I kindly request your prompt attention to this matter and appreciate any assistance you can provide in facilitating the resolution of the identity theft-related derogatory accounts on my credit report. 

Thank you for your time and consideration. 

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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me.
Product: Checking or savings account

Fraudulent checks were processed through our company account XXXX months ago. 
Repeatedly requested an update on when the funds would be returned. Received numerous promises but no results, to date. Bank policy, after freezing an account, is to contact the customer to approve any new checks being presented. Bank employee processed payment and returns on several occasions without approval from the customer.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA, I am asking you to investigate the information for accuracy, compliance, and validity. If you can not provide proof that the information is accurate, compliant or valid, I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. 
Attached is a summary of the data in which I am challenging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX ample evidence that I lived outside the United States during a period when my identity was stolen. Their response was to put a delinquent account remark on my credit reports. This is an extremely unpleasant company. It's like the toxic people at XXXX are double victimizing me by punishing me for having my identity stolen. They are expletives.
Product: Debt collection

I HAVE MAILED FOUR WRITTEN REQUESTS FOR THE ALLEGED DEBT THAT I DISPUTE. XXXX XXXX XXXX XXXX AND LAST ONE ON XXXX XXXX. AMOUNT OF DEBT XXXX ALLEGEDLY FROM XXXX XXXX IN XXXX XXXX INDIANA. 
XXXX  HAS FAILED TO RESPOND IN ANY MANNER TO THE REQUEST FOR SUPPORTING DOCUMENTS. 
NO CALLS, NO EMAILS NO CORRESPONDENCE, I BELIEVE THE DEBT IS FALSE AND OR A SCAM. 

XXXX IS THE DEBT COLLECTORS ACCT NUMBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to get the proof that Eastern and their client are relying on to prove up their claim I owe them money, all I get is that their clients unsigned invoice is validation of the debt and their say so is proof they noticed me properly. In what part of the Consumer Protection Laws does it state that " saying so '' makes it so? I demand proof of their claims. I never got noticed as required by law. I never agreed or obligated to pay any such charges they are billing to me. According to their invoice they did some thing on three different days, that seems more than ample opportunity to have gotten some type of signature on a contract to pay. But, it still does not prove I was sent proper notice, which leaves the issue of an illegal collection posting to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 
The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXX XXXX Loan Account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Corporate Bank Account with BB & T. While doing a wire transfer on XX/XX/21 with the Business Bank Manager XXXX XXXX in XXXX NC, she implored me to setup a business credit card under the corporation. As a company we wanted to have credit card references reporting to XXXX XXXX XXXX. I clearly stated that weve been in business 2 years and wanted more business credit not personal ( as my personal is XXXX score ) and I wouldnt even consider it if a hard credit pull would be performed to decision/issue the card. She assured me it would not pull my personal credit and never asked me any questions about the business or personally. She only stated that I would be notified by mail in a few days and that was it. When I left the bank, by the time I had gotten to the office 5 minutes away I had received an automated email message saying the application was denied. No reason was stated and said I would receive a letter in the mail with 7 days explaining. Within the same moment I got an XXXX alert stating a hard pull had been done on my personal credit. Ive called the local branch many times and left voicemails and XXXX NEVER calls me back. I called the main corporate number and they said that they couldnt tell me anything and said for me to wait until I received the letter by mail. I HAVE NOT RECEIVED ANYTHING! My credit report was accessed without my consent and never received anything by mail or any communication after. This is a complete fraud and Ive been victimized as a result of the shady dealings of BB & T ( now Truist Bank ).
Product: Checking or savings account

I was sent a fake check, it redeemed and sent money but it returned chargedback a day after I sent the money.
Product: Money transfer, virtual currency, or money service

Dear CFPB, 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 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: Mortgage

In XXXX 2016, I received a letter from my mortgage company, XXXX XXXX, that they would stop using XXXX XXXX for processing of their accounts starting XXXX XXXX 2016. From XXXX to XXXX, XXXX XXXX, continued to withdraw money from my account electronically through ACH. I phoned XXXX on XXXX XXXX with no contact with a representative. On XXXX XXXX, which a representatives " XXXX '' said it was the fault of XXXX XXXX, who is a third party in which XXXX XXXX used. On XXXX XXXX, I phoned XXXX XXXX and canceled my program with them, receiving the confirmation number of XXXX. My bank XXXX started a dispute with XXXX, XXXX, in which XXXX XXXX finished them a copy ( which I do not have nor been given ) of my authorization for withdrawal. On XXXX XXXX, XXXX XXXX withdrew another {$1300.00} from my account through ACH. I phoned XXXX, whose representatives reached XXXX XXXX ( after dialing XXXX nonworking customer service numbers ). We spoke with XXXX, agent # XXXX, who again tried to push it off as an XXXX XXXX problem. XXXX tells me I need to provide proof that payment was actually received on their end through providing several documents and then their accounting division will " research '' the problem. This seems very unlawful as I do not, nor ever have, had a loan with XXXX XXXX and as of XXXX XXXX 2016, my mortgage company ceased to operate with XXXX. Therefore any authorization on my behalf to submit payments to XXXX XXXX would be null and void based on the fact that XXXX does not service loans with XXXX XXXX. XXXX XXXX is not receiving the payments from XXXX XXXX. On XXXX XXXX, I phoned XXXX XXXX to confirm they closed my account with them as requested on XXXX XXXX. I spoke with XXXX who tells me I owe XXXX XXXX over {$2000.00} because they reversed the payments and supervisor XXXX, acknowledged that the company unlawfully accessed my account on XXXX XXXX to recoup the funds. I never gave them verbal or written access to my account. Thus, BOTH companies are conducting themselves in unethical ways by withdrawing money using ACH under different company names and accessing accounts without approval.
Product: Debt collection

TD bank has reported an account to my credit report for some time now. I have previously disputed this record and they pulled it off the bureau ( all 3 ). This account was not mine. Company has been non-responsive to dispute letters sent in and has not provided me with any feedback other than adding the account back to my XXXX report. Interesting enough they are only reporting to that 1 bureau. XXXX has not been helpful in this situation either and has frankly been unresponsive. Not sure why the either company is able to address an account from XX/XX/2016 or deal with the customers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 1681 e ( b ) 15 usc 1681 i ( 5 ) 15 usc 1692 c ( c ). Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX  XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 e ( b ) 15 usc 1681 i ( 5 ) 15 usc 1692 c ( c ) Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was in forebearance from XXXX. Loancare reported to XXXX and XXXX. XXXX still has the months showing as missed payments which is affecting my credit score. I have disputed this with the credit company and got no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect personal information on my credit report