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

This is my NUMEROUS request 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. 


XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$5.00} XXXX XXXX XXXX XX/XX/year>
Product: Bank account or service

There was an unauthorized check withdrawal transaction on my personal checking account XXXX/XXXX/15, XXXX. Unauthorized funds released. All my transactions have been returned unpaid and no communication from the Wells Fargo bank.
Product: Checking or savings account

I am writing to formally lodge a complaint against Wells Fargo Bank regarding their wrongful denial of a claim I submitted for unauthorized transactions that occurred after my phone was stolen. Despite providing all necessary documentation, Wells Fargo has declined my claim without justification, in violation of federal regulations governing consumer protection. 

Background On XX/XX/XXXX, my phone was stolen, and shortly afterward, unauthorized transactions were made using XXXX XXXX, which is linked to my Wells Fargo account. I immediately reported the theft to Wells Fargo and initiated a claim for the fraudulent transactions. I also took the following steps to substantiate my claim : 1. Filed a police report and submitted a copy to Wells Fargo. 
2. Purchased a new phone and provided proof of this transaction. 
3. Communicated with XXXX and provided Wells Fargo with email correspondence regarding the XXXX XXXX security breach. 

Despite my timely reporting and comprehensive documentation, Wells Fargo declined my claim. Furthermore, they failed to provide a clear explanation of what additional evidence would be required to approve my claim. 

Violations of Federal Regulations Wells Fargos actions appear to violate key provisions of federal consumer protection laws, specifically : 1. Electronic Fund Transfer Act ( EFTA ) Regulation E Under Regulation E, financial institutions are required to investigate claims of unauthorized electronic fund transfers in good faith. If the customer reports the unauthorized transactions within two business days, liability is limited to {$50.00}, and the bank must either : Complete the investigation within 10 business days, or Provisional credit the customers account until the investigation is concluded. 
Wells Fargo has not adhered to this regulation by denying my claim without a proper investigation or explanation. Their failure to inform me of what constitutes acceptable documentation is a clear lack of good faith in handling this dispute. 
2. Fair Credit Billing Act ( FCBA ) If any of the unauthorized transactions were made via credit ( such as through a linked credit card ), the FCBA protects me from liability for unauthorized charges beyond {$50.00}. Wells Fargos refusal to honor this protection also constitutes a breach of the law.
Product: Consumer Loan

Sir, Madam Over one years ago night time when i sleeping American honda company took my car before they take no body call me.When i wakeup in the morning i feel my car is lose than i call 911 they talk me your loan company taken your car because I had missing payment than i call back if you return my car i want makesure loan payment but they do n't want than they hack my credit please help me i want to open sushi restaurant. 
thank you.
Product: Debt collection

For over 20 years I have had a month to month gym membership with XXXX XXXX located in Utah XXXX XXXX XXXX. In XXXX of 2020 XXXX XXXX XXXX sent out an email, they XXXX were closing permanently I cancelled my credit card payment and ordered a new on as I did not want my information out there in Bankruptcy litigation or to be purchased. 
I later received an email from XXXX XXXX saying they were handling all of the XXXX memberships and I was included in this. I had never signed any agreement with XXXX and the Billing company in Utah was XXXX XXXX in XXXX Utah was persistent in leaving me voicemails about a delinquent account I have with them which I have never had an account with them. The callback number they leave will have you on a holding pattern that will not answer, after several attempts to call back I finally looked up the corporate number and finally got in touch with a representative who said, I can not cancel this contract until I pay the delinquent amount, they insist that I do have and signed a binding contract with XXXX XXXX and XXXX XXXX the billing company. I told them I have never signed anything which I have never signed a contract with anyone except XXXX XXXX. I would not pay for something I did have a contract with and asked them to email me a copy of my contract with XXXX they said they would but never have. Now they have sent me to a collection Agency Aldous & Associates P.L.L.C also in XXXX Utah who have a business affiliation with XXXX XXXX and XXXX XXXX they own the franchise for XXXX. They also will not send me a copy of the contract they say I have with XXXX, tey insists I am delinquent in payments I have never agreed to and have no contract with them, they keep threatening me with court proceeding and they threaten me with filing this on my credit.
Product: Credit card or prepaid card

I applied for a credit card on XX/XX/XXXX. I have 3 months to purchase XXXX in order to get promotional mileage. I called about XX/XX/XXXX or XXXX to inquire about my card. My temporary card stopped working on XX/XX/XXXX. I was told another card would come on about XX/XX/XXXX. I received the card and tried to activate it on XXXX XXXX could not activate so I called again. I was told the card was cancelled- no reason was given. I can not even login to the account ( i made a purchase with the temporary card ) and I already received a bill with No way to pay it. I was told today that they would expedite another card. Now I have 2 months to make the required purchase if I get the card timely. Its almost as if they do not want me to get the promotion. Please advise.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat thisreporting account as unconfirmed information without producing proof within the legal time range.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Hello, I am enrolled in the XXXX XXXX XXXX in XXXX, PA. When my financial counselor pulled my credit report on XX/XX/XXXX, we saw that accounts I had paid on and off, were not updated since XXXX, XXXX. 

I have worked very hard to pay down my debt and if I were late that information would be placed on my credit report immediately! This is an unjust double-standard being practiced by Experian credit reporting agency. What penalties do they suffer for not updating my information since XXXX, XXXX? Their lack of action has led to my inability to apply for a first-time buyers program. 

I also contacted the credit card companies who all confirmed that they had reported my information every month to the credit reporting agencies. They also said that Experian is not updating the customers accounts monthly as they should. 

I want Experian and all other credit reporting agencies to update my accounts and, in the future, update every one of my accounts that they are monitoring every month! 

Please see the accounts below that are highlighted in blue. 

Thank you, Consumer Sun, XX/XX/XXXX XXXX XXXX  ****** XXXX XXXXXXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$62.00} CCCCCCCCCCCC ( The last payment of {$19.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX ( XXXX ) XXXX XXXX {$27.00} XXXX ( The last payment of {$88.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX $ XXXX $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$2300.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$54.00} CCCCCCCCCCCC ***** XXXX  XXXX $ XXXX $ XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$960.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$31.00} CCCCCCCCCCCC ( The last payment of {$130.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$400.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$35.00} CCCCCCCCCCCC ( The last payment of {$60.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$250.00} CCCCCCCCCCCC ( balance not updated ) ***** XXXX XXXX XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$120.00} CCCCCCCCCCCC ( balance not updated ) Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I originally took out an auto loan with Navy Federal for a XXXX XXXX XXXX, they took over the tile from the original lienholder, XXXX and Navy refinanced my loan. Approximately XX/XX/XXXX, I was in an accident with the vehicle and it was totalled. My insurance company, XXXX, paid to Navy Federal 70 % of what the vehicle was worth. The remainder balance was reduced through GAP insurance which I had with Navy. The remaining amount of the loan was approximately {$3000.00}. I took out another loan to get a new car because I have to work. I am making a payment of {$570.00} as a monthly car note, my insurance also went up exponentially because my insurance increased my premium due to the accident and because I moved. I applied to refinance the remaining {$3000.00} with Navy and they denied refinancing my loan. They put my loan in default and a delinquent status, which will impair my credit because they denied refinancing my loan and require me to make the regular payment of {$570.00} as I did prior to totalling my car. This put me in a position to make two full car payments with over {$1000.00} per month going out of my paycheck to car loan payments. I can not afford that. I also rent, furniture bill, electric bills and other bills and I can not afford to pay {$1000.00} to car payments. I informed Navy Federal of this and they still denied refinancing my car loan to get my car payments cheaper. I think this it is unscrupulous and unethical for Navy to put me in a position in which I am unable to make the payments and unreasonably denying my refinancing of the remainder of my previous car loan. This puts me in a position to get bad credit through no fault of my own. I am not unwilling to make the payment, I just can't afford {$570.00} per month and I have informed Navy of this fact. Navy is being unreasonable in denying refinancing of my loan.
Product: Debt collection

XXXX submitted debt that I did not owe to Credit Mangement XXXX. I have repeatedly talked to XXXX, who have told me that I do not owe the money trying to be collected, but they have thusfar been unable to send me any paperwork or billing statements in writing saying that I do not owe this money. I was told via a XXXX Rep that the debt they incorrectly assigned to me was cancelled, and I should not receive any additional calls from this credit management service. This was not the case, and I was told today, XXXX/XXXX/15 by Credit Management XXXX that I need to pay the bill immediately or it will be reported on my credit. XXXX has again stated that I do not owe this money, and that the issue should be taken care of. I still have no written proof at this time, though I am awaiting an email from XXXX, sending a proof of billing.
Product: Checking or savings account

I requested my former spouse be removed from XXXX accounts ( accounts ending in XXXX and XXXX ). I was provided the paperwork on XXXX XXXX to make the requested changes. They were provided to my former spouse 's lawyer, signed, and returned to me. I signed and provided the documents and uploaded them to USAA 's website on XXXX XX/XX/2023 at XXXX. It's been over 30 days and they have not removed her from the account. They claim they are backlogged. I requested a statement saying as much to provide to her lawyer. They will not provide an email or message stating they are backlogged. I have spoken to over 6 different agents on the phone. They give excuses and ask me to call back in a few days. It's been over 30 days for a simple name removal on a checking and savings account.
Product: Debt collection

Portfolio recovery falsely updated a very old account. Constantly harassed me with false lawsuits. Have failed to respond to dispute within the 30 days timeframe. This account was ilegaly sold to a third party.
Product: Credit card or prepaid card

I had already communicated this issue to the CFPB but it was left unresolved. On XX/XX/2017 Wells Fargo Financial charged me an unexpected {$5.00} interest fee and my balance stands at {$6.00} currently after i had managed to pay it all off. I made them aware i am paying my student tuition at XXXX XXXX College currently at {$11000.00}. They have continued their push to charge me unexpected and exceedingly high interest. I am asking that the cfpb help me resolve this as soon as possible to reach a solution.
Product: Debt collection

Called every single day, sometimes multiple times a day to collect on a debt that was barred by the statute of limitations. Called from several different phone numbers.
Product: Debt collection

I have previously submitted a XXXX  Complaint to XXXX XXXX XXXX XXXX XXXX back a few years ago for a medical bill which I accepted the resolution on the XXXX  website and resolved my debt with them. However, XXXX XXXX unexpectedly went out of business and instead of reconciling the debt, they sold my debt to XXXX XXXX and then XXXX sold my debt to Elevate Recoveries. 

I explained the situation to XXXX years and they left me alone. Now 2-3 years later, I now have Elevate harassing me about a debt that I don't owe and now placing the debt on my credit report. Ive explained this to numerous Elevate associates and asked repeatedly if this issue was on my credit. They said no. 

I have at least requested that Elevate provide me a debt validation letter on 2 separate occasions that I remember, because I do not owe this amount. They have not complied and only have provided me with their invoice stating that I owe them an amount. There is no breakdown of services rendered, dates services occurred, what the insurance paid, what I paid, nor what XXXX XXXX agreed to and resolved prior to going out of business. 

Elevate Recoveries is reporting inaccuracies to my credit report. Your responsibility as a recovery agency is to provide me with the proof that I have requested on previous calls with your company. This is a violation of FCRA and FDCPA. This seems like a scam and the ongoing harassment needs to stop.
Product: Credit reporting or other personal consumer reports

I RECENTLY SENT LETTERS TO ALL 3 CREDIT BUREAUS ABOUT MY INFORMATION BREACHED. AND THE INQUIRIES ARE NOT MINE AND THEY STATED THEY VERIFIED THE INFORMATION AND THERE IS NO WAY THEY DID. However the credit bureaus said they completed the investigation and everything was 100 % accurate. After I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies did not make sure the reporting was 100 % correct. 

UIn accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency was obtained directly from a creditor of the consumer or from the consumer. 
did they complete their investigation with proof? It seems I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am submitting this complaint due to serious concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights critical deficiencies in the platforms protections. Despite using Zelle numerous times and reporting discrepancies in transactions, my financial institution and Zelle failed to properly investigate my claims. They informed me that recovering lost funds was impossible and that tracking the transactions was unfeasible. The CFPBs findings further validate my experience, showing that Zelle has failed to adequately protect consumers. Moreover, Zelle has allowed repeat offenders to exploit the system, leaving users like me vulnerable to scams. This lack of accountability has caused me financial loss and eroded my trust in the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/2021, I was notified through XXXX that my credit scores went from XXXX 's down to XXXX in one day. Ally financial reported on my closed account that I was more than XXXX  past due. I have bank statements showing Ally took my payments electronically and a letter from Ally stating my account was closed in good standing. No late payments or fees on the account. 
I do not understand as to why their credit department reported this nor have they helped me at all. They keep telling me to wait 45 days for a response from the credit department. I have waited 55+ days now and I just got off the phone with another useless Ally representative saying I needed to wait another 45 days for the credit department to respond.

I keep getting lied to from their representatives and this has got to stop. I'm a military retiree and all I get on the phone is someone who doesn't speak English very well and is reading from a prompt card. 
They have said this is on file but absolutely nothing has been done about it. I called all three agencies, XXXX, XXXX and XXXX. I uploaded the letter Ally financial sent me and my credit scores are still in the XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 and XX/XX/19, I disputed inquiries on my credit report through equifax they told me i needed to reach out to all the companies which i did and they could not verify i applied to these places and told me to re contact equifax and they will not remove them. Attached is the copy from my report.
Product: Debt collection

I have never done business with this company or any company associated with thus company. I have never provided any of my personal information to this company or any company associated with thus company. I dont have any information regarding this company or this debt. There is a collection account reported to my credit report and this account doesnt belong to me. I have never provided my social security number or any other personal information to thus company or any company associated with this company. Please remove this account from my credit report this account doesnt belong to me.
Product: Mortgage

Today ( XX/XX/2020 at about XXXX ) I spent 45 minutes filling out an electronic mortgage payment set of forms online with PennyMac LLC . At the final step I was notified that " oops '', there was a problem and I should re-apply again later. I called their 800 customer service line and was told that the web browser I use ( XXXX ) was not workable - the operator said the ONLY acceptable browser is XXXX XXXX. I do not want to be forced to download yet another browser to simply make their payment. This is discriminatory and at a minimum the company should inform me of the browser restriction BEFORE I spend 45 minutes filling out their online form. I suspect they are being paid to restrict access to one browser only. This is an unfair business practice. 
XXXX XXXX XXXX XXXX
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 {$0.00}, {$0.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.