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

Personal information NAME Wrong names associated with my credit report ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX GENERATIONAL IDENTIFIER Address never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Never worked at XXXX XXXX CENTS ONLY
Product: Checking or savings account

Wells Fargo said they were going to compensate me with {$3900.00} for bank fees for three accounts from XXXX. 
They also caused a banking error in XXXX with bill pay causing 10 percent penalties on property tax payments. 

They never did. 
They also charged fees in my joint account ending with XXXX -- over {$600.00} in about 8 months after they recoded the account. 
I have a balance on my HELOC over over {$100000.00} and thus I do not pay fees based on my household. 

The bank owes me thousands which only partially resolves the issues I tried dealing with XXXX XXXX XXXX Branch manager about this to no avail. 

I also have problems with XXXX XXXX in the mortgage department not being helpful with loan modifications that he promised in XXXX. In particular the HELOC should be below 3 percent and they also need to retitle the parties to singular from joint
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card account was opened in my name on XX/XX/2022 with Navy Federal Credit Union, using a fraudulent address and phone number, and around {$18000.00} was charged to the account. 

I noticed the account ( as well as the fraudulent address and phone number, and the credit inquiries in connection with opening the account ) on my credit report the following month and reported it the credit reporting agencies ( XXXX, XXXX, and XXXX ) in XX/XX/2022. I also called to report it to Navy Federal Credit Union on XX/XX/2022 at which time they indicated it would be reviewed, I would receive a letter within 30 days, and the account would be closed. 

The credit agencies responded to the disputes indicating they had reached out to Navy Federal and confirmed the account, and Navy Federal would need to let them know that the account was fraudulently opened before it could be addressed on my credit report. 

Since reporting to Navy Federal Credit Union on XX/XX/XXXX ( 65 days ago ), I have called Navy Federal at least 5 times to request an update, and at least three of those times, I have waited on hold for over 2 hours to talk to their security department, just for them to tell me they are working on it but can not provide any estimate on the amount of time it will take, and can not provide an confirmation by email or otherwise that anything is actually happening. 

Since Navy Federal has taken over 65 days to investigate a fraudulently opened account, the {$18000.00} credit card balance is now in default and my otherwise pristine credit score continues to drop precipitously by the day. As a result I am having countless difficulties : I was unable to open a desired credit card to receive travel points for a large trip and to purchase an engagement ring, I was planning to get off of my parent 's cellular plan but am not able to open my own line as a result of this issue, and I have been planning to purchase a house, which has obviously been put on hold.
Product: Credit reporting or other personal consumer reports

I called and spoke to a representative from XXXX and there was a language discrepancy it seems I tried to speak as slow as possible and explain that the address on file did not belong to me and I had originally sent in a report that I had identity theft. I expressed myself several times and asked to have my credit report mailed to the correct address that I had given the rep. I pulled the app on my phone to check my credit report and the same addresses are still on my report with an added inaccurate address. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX These adrress are not accurate and should be removed. Due to having dealt with identity theft previously there may be information being mailed to these addresses with my name on it with my personal info attached to it. Please remove My correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX 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 an account without my written instructions
Product: Debt collection

ATG CREDIT , LLC is falsely reporting that i have a valid debt despite the fact that the creditor doesnt exist. XXXX XXXX of XXXX is the original creditor and they closed down- ATG somehow got ahold of their customer records and have been attempting to extort money from their previously paid-off customers who are mostly elderly people they can take advantge of. 

ATG provided no documentation that the debt is valid, they blocked my phone number when i attempted to call them and ask for said documentation, they refused to investigate the matter as a fraud case despite my request, and they have been falsely reporting information to credit bureaus.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 the lost funds was impossible and that tracking the transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the consumers but has also allowed repeat 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: Money transfer, virtual currency, or money service

# CFPB Complaint Template for Viamericas Case # # Product Information - Product : Money transfer - Sub-product : International money transfer - Company : Viamericas Corporation # # Issue Description I am filing this complaint regarding Viamericas ' misrepresentations and violations that resulted in {$8200.00} in damages related to XXXX XXXX XXXX XXXX to XXXX. Despite clear evidence of violations and damages, the XXXX XXXX XXXX XXXX XXXX ( XXXX Case No. XXXX ) failed to conduct any investigation against viamericas and closed the case on XX/XX/year>. 

# # Detailed Narrative 1. Initial Incident - Initial filing date with XXXX  : XX/XX/year> - Amount involved : {$8200.00} - Purpose : XXXX XXXX XXXX XXXX to XXXX - Case assigned to : XXXX XXXXXXXX XXXX XXXX XXXX - Email : XXXX XXXX. Specific Violations by Viamericas - Documented false statements made by Viamericas ' CEO to XXXX ( detailed in XX/XX/year> letter ) - Clear violations of XXXX XXXX  XXXX and XXXX regulations remain unaddressed - XXXX XXXX transfers continue to be impacted - XXXX failed to investigate documented regulatory violations XXXX. Previous Regulatory Actions - Filed complaint with XXXX  XXXX ( Case No. XXXX ) - Submitted on : XX/XX/year> at XXXX - Case closed on : XX/XX/year> at XXXX - XXXX XXXX case without investigating documented violations - Evidence and correspondence available proving violations 4. Impact and Damages - Monetary loss : {$8200.00} for critical medical treatment transfers- Medical treatment transfers blocked and delayed - Financial damages remain unaddressed - Critical medical care impacted without regulatory intervention # # Desired Resolution 1. Full restitution of {$8200.00} for documented damages 2. Investigation into Viamericas ' false statements to regulators 3. Review of company 's non-compliance with federal regulations 4. Implementation of corrective measures 5. Written acknowledgment of violations and resolution commitment # # Supporting Documentation to Attach 1. Original XXXX complaint ( XXXX XXXX. XXXX ) XXXX. XX/XX/year> letter documenting Viamericas ' misrepresentations XXXX. XX/XX/year> response regarding XXXX failure to investigate XXXX. Email correspondence with XXXX XXXX and supervisors 5. Documentation of transfer blockages and failures 6. Proof of damages and medical necessity 7. Evidence of regulatory violations # # Timeline of Events XXXX. XX/XX/year> XXXX - Initial complaint filed with XXXX XXXX. XX/XX/year> - Submitted letter documenting Viamericas ' misrepresentations 3. XX/XX/year> XXXX - Case closed without investigation XXXX. XX/XX/year> - Submitted response detailing violations and regulatory failures XXXX. XX/XX/year> XXXX XXXX - Escalated to XXXX supervisors including : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a credit card with capital one the gave me the credit card and later the cancel it after 2 payments I called Capital one and ask the why they cancel it they say that I had a felony in my record I went ahead and submitted paperwork showing that It got reduce to misdemeanor by the court, but they insisted that even Thow it was reduced to misdemeanor and expunge, I had plead guilty and that was the reason that they had to cancel my account I believe that Capital One Credit card are clearly violating my rights and equal opportunity lending policies
Product: Vehicle loan or lease

I filed XXXX XXXX bankruptcy in XXXX, and my USAA auto loan for a XXXX XXXX XXXX was included and discharged in full. Despite this, USAA is still listed as lienholder on the vehicle title and refuses to release the lien. 

On XX/XX/XXXX, I sent a certified demand letter to USAA requesting they remove themselves as lienholder. They received it on XX/XX/XXXX. The letter gave them 10 business days to respond and release the lien. The only response I received was a voicemail on XX/XX/XXXX ( the 10th business day ) from someone claiming to represent the CEOs office, stating that an advocate will be reviewing [ my ] concerns. No follow-up or action has been taken since.

A California UCC-1 search confirmed that USAA has no recorded lien at the state level. There is no legal basis for USAA to retain a lien on this vehicle, as the debt was lawfully discharged and they no longer have any secured interest. 

Additionally, I reviewed my XXXX credit report, and this auto loan is not listed at all not under open accounts, closed accounts, or adverse accounts. This confirms that USAA is no longer reporting the loan in any capacity, further supporting that they have no continuing claim or secured interest in the vehicle.

Their inaction is blocking my ability to transfer or sell the vehicle and may constitute a violation of the bankruptcy discharge injunction ( 11 U.S.C. 524 ).

I am requesting the CFPB require USAA to immediately release the lien and remove themselves from the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Please help me create a dispute letter for 1681O for civil negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$490.00}, {$6600.00}, {$14000.00}, {$290.00}, {$65000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$490.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$65000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB I contacted the FTC they informed me that you CFPB handle this type of case and and you keep sending the dispute to them FTC. Experian is fraudulently reporting an account that both actual furnisher XXXX XXXX sold to XXXX XXXX who stated on your dispute enclosed remove this account from credit report FACT 1 enclosed XXXX XXXX state remove account, FACT 2 XXXX XXXX state sold to XXXX XXXX, Experian has no legal right to report this account Fraudulent, misleading, deceptive, information on credit report a violation of FCRA, FCPA, and other federal laws. all facts enclosed .FTC states you the CFPB are the one to handle this dispute. I request that Experian remove this account at once as per the facts, and CFPB investigate this case I know CFPB can not give legal advise but the violation can be handed down for this type of reporting, Experian you will do as I request of I will file a class action law suit against you Not a threat but a promise I tired of your fraudulent tactics in this matter. fact, actual furnisher sold account, fact XXXX XXXX stated remove account from my report, fact fraudulent reporting is a violation with fines, fact all parties state fact enclosed to remove account I should go public about this to the News and the social media so you can answer the facts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX has violated my rights. 

15 U.S.C 1681 section 602. A. States that I have a 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: Credit reporting or other personal consumer reports

This letter serves as my final demand for resolution regarding the inaccurate negative accounts that remain on my credit report, despite numerous previous attempts to rectify this situation.
Product: Credit card or prepaid card

Chase is making it very difficult to honor a referral that I made to an individual for applying for a credit card. I sent multiple emails that the individual never received and then called the day prior to the individual signing up for the card to verify that I had indeed been attempting ( in vain ) to refer this person. After agreeing that I had made attempts to refer the friend to the credit card they have now been difficult in applying the credit to my account. It 's not resolved but they say I will be credited. Waiting to see, after several phone calls ( which I should n't have had to make ), if they will follow through.
Product: Checking or savings account

Recently I applied for Economic Injury Disaster Loans and I was approved with the documentation that as requested from the XXXX XXXX XXXX. The loan amount that I signed for and agreed to pay for was {$89000.00}. The ACH deposit inside my account XX/XX/2020. Golden Credit Union placed a Permanent hold on my funds from the XXXX Loan deposit. I spoke with a representative regarding the hold and was advised I need to show them documents before or if they decide to release the hold from my loan. I told the Rep my business is a DBA/ Fictitious business name filed with XXXX XXXX XXXX   XXXX XXXX California XXXX They currently have my loan frozen inside my own account. its unfair practices. I was approved for a loan and the bank blocking ACH Deposits for my busines which I have to pay for monthly.
Product: Checking or savings account

On XXXX XXXX I received my California XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I am XXXX. 
I have a Direct Deposit with Chase Bank in which my XXXX funds is electronically wired to my Chase checking account ending # XXXX in the amount of {$4300.00} on XXXX XXXX. I took out {$3300.00} out of the account on XXXX XXXX and there was a balance of {$1000.00}. 
As of XXXX XXXX my auto car payment of {$440.00} with XXXX XXXX XXXX wasn't paid.I have contacted XXXX XXXX XXXX that I will pay my auto loan with another method payments and my auto loan is paid on XXXX XXXX, but not with Chase Bank account ending # XXXX. 
So there is {$440.00} to be credited back to my account with Chase bank account ending # XXXX. 
Also, My Chase Military Bank Account has a overdraft fees of {$160.00} on my account. 
I am respectfuly giving my consent and authorize Federal Government to investigate my complaint and check my Chase account activities and transactions. 
I am XXXX Lifetime and Retired and a US XXXX Honorable Military Veteran.
Product: Credit card

I had problems with my account prior to contacting you guys today. My account was closed back in XXXX or XXXX due to fill your payment, but I attempted to make multiple payments and try to show you proof, but my account is now permanently closed due to the inconvenience and a hardship that I am facing now, I would like to settle this Debt for {$300.00}
Product: Money transfer, virtual currency, or money service

Starting on XX/XX/2023 XXXX XXXX allowed someone to complete XXXX transactions out of my Wells Fargo Business Account. I've reported this to XXXX XXXX and Wells Fargo. When I first initiated the dispute processXXXX XXXX responded with the incorrect information. My XXXX XXXX  is set up under my email address XXXX not a phone number. When XXXX XXXX responded to my dispute they responded to me as XXXX. My XXXX XXXX name is XXXX XXXXXXXX XXXX XXXX This has me under the suspicious that they have the wrong information about me and something happened to allow someone to take advantage of my information and make these unauthorized transactions. How can you investigate a dispute if you have the wrong person? My Sim card also was compromised and was unaware of the issue until XX/XX/2023. {$17000.00} was taken in small amounts from my Wells Fargo account. I've submitted documentation and had XXXX XXXX even reach out to Wells Fargo and XXXX XXXX  Even with the evidence provided, both parties continue to deny my claim. When I spoke with the investigators from Wells, I mentioned, the amounts aligned with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not say, I sent to wrong recipient. After talking to the executive manager at wells, he made me feel like I was a criminal attempting to lie. XXXX is alot to just walk away from. Even though XXXX XXXX is the issue, Wells Fargo is supposed to have its clients back. How can you fully investigate a issue if they have the wrong recipient?
Product: Credit reporting or other personal consumer reports

I found that there are some hard inquiries on my credit report that I did not authorize from XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

For Years beginning in the year XXXX, I had service with XXXX XXXX. I always called in my monthly payment and I was asked each time if I authorized payment. I then closed my storage and account. XXXX XXXX then asked if I would make another payment due to cleaning of unit was in dispute. I said NO you can not have anymore funds and that was the end of conversation and I hung up. Chase Bank then allowed money to be removed from my account. I opened a dispute as unauthorized and was given a temporary refund pending outcome of dispute.Chase then made a ruling in favor of XXXX XXXX. I contested this decision over the Phone with Chase Bank and 3 times now have been told that a copy of my authorization would be sent to my address. I have not received any documents to support their claims that I authorized payment. Each time I call Chase I get the runaround. I have suffered from this financial loss. This is theft and fraud. XXXX XXXX, Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Please Help me get my money back. Thank You. My mother once asked what " Chase '' in Chase Bank stood for and I told her that " Chase is what you will have to do to get your money ''. I was right. Uploaded are Chase account. #. XXXX XXXX lease ( face sheet ). ( Note Could not upload )
Product: Credit card

I took out a promotional rate balance transfer with Citi on my credit card ending in XXXX. 
On XX/XX/year> the promotional rate expired and was raised to 21.24 % On XX/XX/year> I phoned Citi and made a telephone payment of {$23000.00} On that call I asked the Citi representative to ensure the payment was applied to the high interest balance ( BalTrnOffer XXXX ) He assured me it would be in accordance with Citi 's stated payment allocation method described on their credit card statement as follows : We apply any amount you pay above your Minimum Payment Due first to the balance with the highest XXXX, then to the balance with the next highest XXXX, and so on. As a result, if the XXXX for a Citi Flex Plan balance is higher than the XXXX of other balances on yourAccount, we will apply the amount above the Minimum Payment Due first to that CitiFlex Plan balance, and then, after that Citi XXXX XXXX balance has been paid in full, to the other balances. 

On the subsequent monthly statement I discovered that my payment had in fact been applied to XXXX XXXX which carried a rate o 0.99 % while the higher rate XXXX XXXX continued to accrue interest at 21.24 % I again phoned Citi, ( approximately XX/XX/XXXX ) and asked that this error be corrected and interest charges reversed. The Citi representative assured me this error would be corrected. I followed up with a letter to Citi detailing the issue. On the following statement no correction had been made. On XX/XX/year> I again phoned Citi and asked to speak with a XXXX. The XXXX ( call reference XXXX ) promised that a correction would be made within XXXX business days. I subsequently received a letter from Citi restating their payment application procedure quoted above but without explanation for not following this procedure denied my request. 

In summary, Citi promises to apply payments to balances in order of the interest rate charged, high to low. On XX/XX/year> my card had a BalTrn Offer XXXX with a rate of 21.24 % and a XXXX XXXX with a rate of 0.99 %. On XX/XX/year> I made a large payment which was applied to the lower rate Offer XXXX instead of the higher rate Offer XXXX. 

I am asking that this transaction be reversed and the payment applied correctly in accordance with Citi policy and that the excess interest charges be refunded to my account. I am attaching as backup the letters and statements I refer to in the above narrative.