23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I opened a wise account in XXXX. I've made several International wires and when I attempted to load XXXX from my business account TO the account for another transaction the funds were held. causing significant damage to my business. 
They stated the funds would be available within 3-days then extended to the XXXX NOW the account is closed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XX/XX/2017 deposit XXXX XXXX debit card checks each ( {$2500.00} ) totaling $ XXXX US bank Atm. Unable to access Acct on XX/XX/XXXX. Called US bank customer service XX/XX/2017 and told my account closed due to fraudulent checks deposit made XX/XX/2017. I Obtained copies of checks in question from US bank and took to XXXX, where checks originated. Informed by XXXX that checks are valid. XXXX contacted by phone, emailed this information to US bank with no call I to resolve this matter. I Called XXXX, mgr at US bank XXXX branch and told he spoke with someone over him. He informed me my accounts to be closed ; a check to be mailed out to me ( minus bank fees ) around XX/XX/2017.
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2011 and a balance of {$12000.00}.
Product: Student loan

They are not applying my payments to the loans I am selecting causing my loans to default. I am not getting any help from AES
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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. On XX/XX/year> I sent funds to a fraudulent number unbeknownst to me in the amounts of {$450.00} and {$300.00}. When I realized this I contacted Zelle directly and they told me to call me bank since the transfer was through them. I contacted XXXX XXXX XXXX, my bank where the funds were sent from. They explained there was nothing they could do either and to contact zelle. I contacted zelle again and they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I never received a 30 day notice to dispute this debt nor was I informed about the right to dispute it. They called me many times even though I asked them not to call me and then they contacted one of my relatives. I asked them for a debt validation and they only sent me a document that represents the same thing as what it says on my credit report. Also i dont think the have license to collect in florida
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX, Experian 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 I DID NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have tried twice on Experian 's website and then once on free credit report.com to get my credit info. Their site comes back that they can not provide the info with my information. I ca n't get ahold of them to figure out the issue. Thanks, XXXX
Product: Consumer Loan

In XXXX of XXXX I leased a XXXX XXXX XXXX XXXX. I began having problems with the vehicle in XXXX XXXX. Specifically, jumps while switching gears and gets stuck in gear XXXX. The problem mainly occurs when the car is switching gears from XXXX to XXXX and XXXX to XXXX. The car jumps so much when shifting that it is hard to control. When the car gets stuck in XXXX gear the engine revs but does not shift out of gear. I began taking the car to the dealer ; however, the problem was never fixed. The claim was that they could not duplicate the problem. On XXXX XXXX I took the car into service and provided the dealer as well as XXXX with videos showing the issue that I am complaining about. Also I provided copies of other driver 's experience with this issue and I have described the issue in detail with the hope that the issue will finally be resolved. Additionally, I told the service manager that the issue appears to be software related specifically it is either malicious or incorrect code in the vehicle software. On XXXX XXXX after 53 days in the shop and XXXX miles on vehicle they returned it saying they could find nothing wrong with the car so no repairs were done. Upon return of the vehicle I noticed that the service report for the XXXX XXXX service was incorrect. The report stated that my car had only been in the shop from XXXX XXXX to XXXX XXXX and there were no miles put on it while it was in service, which is false. I pointed these errors out to the dealer who noted the inaccurate information. Since then, the car has been in the shop 3 additional times for the same issue and nothing has resolved it. Accordingly, the vehicle meets the statutory requirements to be deemed a lemon and repurchased by the manufacturer. On XXXX XXXX, XXXX XXXX made an offer to repurchase the vehicle and give me {$1500.00} towards a new C-Class. However, on Monday XXXX XXXX, XXXX they reneged. Since reneging on the offer the vehicle has been in the shop 3 to 4 additional times for the same issue. XXXX has ignored every correspondence and notice that they have received about the vehicle. They have also refused to keep the vehicle until they figure out what is wrong with it and provide alternate transportation. As it stands the car is unsafe to drive, however, I have no choice because they reneged on their offer and as a consequence I am paying for a vehicle and its use is substantially impaired.
Product: Debt collection

In XXXX, XXXX XXXX XXXX issued a loan to someone who stole my identity. This financial company never pulled my credit and somehow was able to issue a fraudulent loan. I have since looked them up with the XXXX XXXX XXXX and it seems they issues loans without pulling a credit report to stolen identities. Even if they would've tried to pull my credit, they wouldn't have been able to since I keep all 3 locked. 

I didn't become aware my identity had been stolen and this loan existed until the collection account appeared on my XXXX credit report in XX/XX/XXXX from XXXX XXXX XXXX. I filed a report on XXXX and was able to get it removed. 

Then they sold the fraudulent loan to VANCE & HUFFMAN LLC in XX/XX/XXXX. I've spent a ridiculous amount of time fighting this with the credit bureaus. Now XXXX denied my dispute and I have to keep fighting, wasting my time, while this company gets away with stealing identities and issuing loans. This company is a scam.
Product: Checking or savings account

I had a savings account with marcus by goldman sachs. On XX/XX/XXXX i initiated a transfer of funds to a checking account and they said it went through. A week later ( XX/XX/15 ) the funds still didnt transfer and i really need the money. I try to log in to my account but it got locked. I call ( XXXXXXXX XXXX ) and was told it was locked and the transaction reversed. They refuse to unlock my account or close it bc i need to speak to a specialist. I cant access my money or close my account and i am really low on cash. Scammers!
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX & XXXX XXXX have all engaged in dark patterns, resulting in abuse of consumer 's file and has furnished these reports unfairly from XX/XX/XXXX - XXXX
Product: Credit reporting

I have disputed XXXX XXXX with Equifax. They will not remove the item. I had to file a police report and have sent many letters to XXXX XXXX and they will not send me any information. I also contacted the " original '' debtor XXXX and they will not give me any information. This account is not mine. XXXX XXXX is a scam. Every time you call XXXX, they send you to voice mail if you want to dispute the charge and no one calls you back. I have written them and sent them the police report which they request when you dispute with Equifax. Now the Item needs to be removed as it is not mine and they will not provide me with any information on this account. I have also disputed this charge with XXXX and they must forward this info to asset which they have not done. Please remove XXXX XXXX ASAP ...
Product: Student loan

To whom it may concern, My pay has been garnished three times by XXXX different debt collectors. The first 2-garnishment money was never applied to the loan. I made payments for 2 years from XXXX to XXXX of XXXX dollars. It was never applied to my loan and in XXXX I lost my job and could n't pay any more. My original loan amount was XXXX dollars approximately. When I got in position to make payments again the SL people wanted XXXX at once or they would garnish 25 % of my pay in about XXXX. This went on for years up to beginning of XXXX. I could n't pay because they kept saying the wanted the total loan amount and adding the interest to the principal and calling it the new principal never crediting the money paid or taken. I would have made the payments agreed on 25 years ago and paid it off. I could n't afford to keep paying them and not have the payments applied. So by adding XXXX dollars in fees and upping the principal by adding interest to it the total amount they wanted in XXXX was XXXX plus. Since then they have garnished XXXX dollars out of my pay. They waiting to steel my tax return next. If you can help I would like to have the total reduced, the loan taken out of garnishment and go back to the payments agreed on 36 years ago. They are using the fact that they are a government agency to steel false loan amounts. 

Thank you for your time, XXXX
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA Account type - Credit card Date opened - XX/XX/year> Above Account created under BANK OF AMERICA without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX did a 30-credit report update on my account as of XX/XX/year> and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more.

They are showing a XXXXXXXX XXXX account ending in XXXX with a balance of {$200.00}. And they account was paid in full as of XX/XX/year>.
Product: Credit card or prepaid card

I received a letter from dol around the second week of XXXX about a GA UI prepaid card issued by Comerica it's now XXXX I haven't received a card they say my first 2 unemployment payments are on it, I'm not getting through the 800 # because they want a card # and I don't have a card, I'm trying to see if that card was mailed to my address since I got the letter at my address I'm trying to what's going on, I've reached out to the department of labor, I'm receiving the other money direct deposit, please get back with me, thank you
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. 

Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX  XXXX #, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX- Installment, Account number : XXXX Account name : XXXX XXXX, Installment, Account number : XXXX Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I submitted information to update my REPAYE with Fedloan in XXXX of XXXX for the XXXX year. XXXX took months to complete the review and during that time my account was put in forbearance and interest accrued significantly ( nearly $ 6k ). My income has drastically decreased from the XXXX to XXXX  year ( I am currently starting a business and have no income ) and my payments actually went up from the previous year. I called every week to check in on the status of my account and was assured that there was nothing I could do to speed up the process/have the interest taken care of. Long story short, my student loan has increased $ XXXX in interest due to the extremely slow paperwork review process at Fedloan. I consolidated with this company in XXXX and my loan has actually increased by nearly $ 25k ( to $ XXXX ) since that time. I have pleaded and pleaded with this company to help me have the loan decreased or forgiven but have received absolutely no help from them in this regard, besides being advised to be put in a repayment program where the interest keeps accruing despite my on time payments. In this situation, I will never get on top of the loan and it will continue to increase despite on time payments.
Product: Debt collection

THE AMOUNT I OWE IS {$330.00} ... EVERGREEN PROFESSIONAL LOCATED AT XXXX XXXX XXXX XXXX # XXXX XXXX, WASHINGTON XXXX ... THIS COMPANY HAS FRAUDULENTLY SENT THAT I OWE {$330.00} ELEVEN TIMES TO MY CREDITOR REPORT AND SEVERAL TIMES THEY CHANGE THE AMOUNT TO MAKE IT SEEM LIKE A NEW AMOUNT THAT I OWE!!! THEY ARE COMMITTING FRAUD AND BREAKING THE FAIR DEBT COLLECTION PRACTICE!!! THEY CAN'T DO THIS!!!! THEY ARE HARASSING ME THROUGH MY CREDIT REPORT CAUSING ME ANXIETY AND AN ENORMOUS AMOUNT OF STRESS, IM GETTING XXXX AND CANT FOCUS OR THINGS STRAIGHT THEY ARE CAUSING THIS BY LYING SAYING I OWE " WAY '' MORE THAN I REALLY DO!!! THEY ARE GOING TO CAUSE ME TO HAVE A NERVOUS BREAKDOWN AND LOSE MY JOB OVER THIS!!! THEY SHOULDN'T EVEN BE IN BUSINESS BECAUSE THEY COMMIT FRAUD AND LIE!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Date : XX/XX/XXXX Nature of the Complaint : I am filing a formal complaint against Experian for failing to conduct a proper investigation into my student loan disputes, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Instead of properly investigating the disputes I submitted, Experian unlawfully updated the student loan information without verifying its accuracy, a clear violation of federal law. 

Violations Committed by Experian : 1. Failure to Conduct a Meaningful Investigation ( FCRA 1681i ( a ) ) Experian was required by law to conduct a reasonable investigation into my dispute. Instead, they merely updated the information without verifying its accuracy, which is a direct violation of the FCRA.

2. Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) The FCRA mandates that credit reporting agencies must only report information that is 100 % accurate. By updating my student loan information without a proper investigation, Experian has failed to meet this legal obligation. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The court ruled that a credit reporting agency ( CRA ) can not merely rely on the information provided by the original creditor when responding to a dispute. Experians failure to obtain independent verification of my student loan records is in direct violation of this legal precedent. 
4. Failure to Provide Evidence of Verification ( FCRA 1681i ( a ) ( 6 ) ) Experian is required to provide me with proof of the investigation results and verification documents. They have failed to do so, further proving that no real investigation was conducted. 

If this matter is not resolved immediately, I am prepared to escalate my complaint by filing a lawsuit against Experian for willful noncompliance with the FCRA under 15 U.S.C. 1681n.

I expect a prompt resolution to this matter. Please keep me informed of the investigation status. 

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

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  - XXXX - {$3500.00} XXXX XXXX - XXXX - {$40000.00} XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Finance has been unwilling to correct this and remove the 30 day late from my credit reports. 

I am writing to you in regards to a payment that was made on my account on XX/XX/2022. I paid the minimum due via my mobile App but somehow there was a shortfall of XXXX that was carried over to XXXX and this caused my account to be delinquent. Now because of this ; my account has been reported 30 days late to each of the three Credit Reporting agencies. 

It wasnt until XXXX when I was contacted via the Credit reports that I knew there was a problem. I would have happily taken care of this much earlier had someone brought it to my attention.
Product: Debt collection

Received a letter from ARA, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, at my father 's address which I do not live there and have not lived there since I was XXXX yrs. old. Also, it is mailed to a name that I have not been legally under for over 10Yrs. 
This is debt is over 20 Yrs old and was written off/ charged off and the balance that they are trying to collect is completely fabricated