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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible TBOM/MILSTNE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

pened a XXXX secured credit card account. I was approved and funded the card through an ACH transfer from my bank to XXXX. A card is mailed to me and I am able to activate and use the card. A week/10 days in, I am asked to submit a verification document. 10 days after that, I received an email saying that my account has been closed. I called XXXX to get information regarding the closure. They could provide none other than " business decision. '' I asked about recourse, next steps and why there was no adverse action notice. They had no answers other than " our current policy is not updated '' so we can not provide any information regarding the business decision. Any remaining credit balance will be mailed to me in 4 months. Why was I approved for a card and then denied with no explanation or recourse? In addition, why are they holding on to my money and collecting interest on it based upon their unilateral decision? The phone agent did indicate that I could reapply for a card. It I can reapply for a card though I suspect it would be rejected and further harm my XXXX score. 

In my XXXX complaints, XXXX reviewed my complaint and cited no new information and provided no answers : They provided no adverse action notice and no justification for their decision. They must inform me of where they got their information and how it can be corrected. I received neither of those. When pressed in the XXXX  complaint, XXXX offered no information and subsequently the XXXX complaint was closed without resolution. 

They are violating FCRA as their denial of credit impacts my credit score. I have a right to know why my credit account was closed and how I can correct any errors that led to that bad decision. They do not get to have my money for several weeks while they review and ultimately cancel my credit account. 

As this closure negatively impacted my credit score and any subsequent attempt to reopen an account would further impact my account, they have a responsibility to disclose.
Product: Mortgage

Wellsfargo is refuse too close out on my trust account, by the deceased old owner the XXXX XXXX XXXX aka XXXX XXXX .ss # XXXX XXXX XXXX. Old address on file is XXXX XXXX XXXX XXXX ga XXXX ... .and also XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX. XXXX XXXX XXXX XXXX XXXX ga XXXX. All this address are business address own and co own by XXXX, deceased, and am the beneficiary too these addresses. And the management of these address, are abuse me .refuse too talk too me .dont even no who i am. .i talk too a lawyer. The lawyer said he can see the name of the ttust attorney and the trust trustee. But me XXXX XXXX, dont no who these people are .please deal with this information right. I already served yall 80 days ago. For cpa and a copy of the deceased person trust or last will testament, or operational agreement. That show me as beneficiary. Why are yall refuse too give me what i am ask for.
Product: Debt collection

Someone used my information for fraud and obtained different things in my name. Including credit cards that I did not use from Barclays Bank. I shoes as 2 different Credir cards opened same day from the same company. 
I have no knowledge and it is effect my credit and my life and stopping me from buying things are obtaining credit. 
One card in amount of XXXX One card in amount of XXXX Every month this debt collector reports a balance increase on this debt which is effecting me. It has caused a lot of problems in my life.
Product: Credit reporting or other personal consumer reports

The account was charged off XX/XX/XXXX. The company has been reporting " CO '' from then until XX/XX/XXXX and report shows a balance of XXXX $ continuously reported on my credit report when the account has been charged off. I asked for the tax form 1099c to prove they charged off the debt as a " loss and I would need to count it as income. I was told " we don't send those out ''. They are lying on my credit report or lying to me. Violation of FCRA Reporting Incorrect Information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed three ( 3 ) accounts with XXXX   XXXX and Transunion on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue.

1. XXXX 2. XXXX XXXX 3. XXXX XXXX These are multiple violations of the fair credit reporting act.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

Target national bank has sent a debt collector after me for a debt That is not mine. They are stating that I opened an account back in 2013 in which I have never been into a target store. I have filed complaints with the debt collector and with target and nothing is being done. They have been garnishing my wages and so far I have paid {$2000.00}. The debt collector that has garnished my wages for target bank is XXXX XXXX XXXX, XXXX XXXX. 
Originally they said that I owe {$2800.00} and the number that I owe continues to change and go up even though I have records of my paystubs where they are taking out money every week. Target national bank or TD Bank does not show up on my credit account because I have never had any type of account or opened up any credit card and nobody will help me and they are taking all of my money. They said that there is a judgment against me and that I was served in which I have never been served by anybody.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

For several months, my credit report has been showing an inaccurate bankruptcy record, which I have disputed multiple times. Two bureaus have already removed the report of this bankruptcy. Furthermore, the court responded that this bankruptcy was not reported to the credit bureaus. I am filing this complaint, stating that TransUnion is violating the provisions established under the FCRA, as it is the only bureau providing information about these public records, thus participating in the violation of 15 USC 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at core logic ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. XXXX, XXXX, trans union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian on the XXXX, XXXX, and currently the XXXX of XX/XX/XXXX. In my disputes I notified Experian that the accounts that they are allowing the furnisher to report is time-barred ( 3-4 years for the state of South Carolina ) as these accounts are showing delinquent since XX/XX/XXXX and XX/XX/XXXX and must be deleted immediately. Instead of deleting the accounts immediately, ( XXXX XXXX XXXX and XXXX XXXX XXXX ) they allowed the furnishers to update the account which all they did is update the report dates. For XXXX XXXX XXXX, they allowed them to update the balance but I put in a new dispute stating this account was time-barred as well and they completely ingnored the disputed and continue to allow this account to be reported which is a violation of the FCRA. They also failed to do in investigation on XXXX XXXX XXXX as I disputed that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The following personal information is incorrect Former : XXXX, XXXX, XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX Current Address ( es ) : XXXX XXXX AV XXXX XXXX XXXX NY XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Previous Address ( es ) : XXXX XXXX PKW XXXX XXXX VA XXXX Previous Address ( es ) : XXXX XXXX WAY XXXX XXXX VA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX SC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX SC XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated by the accounts and companies stated above. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

In XX/XX/XXXX, 2017, several fraudulent charges were posted to my account at Citibank. I disputed all of them and after several rounds of verification, I have confirmed none of these charges are mine. Most were credited to my account, but one charge remained. I have called several times, told the charge will be credited, but it remains on my account. I am several months past due, late fees and interest are accruing, and I 'm concerned it will affect my credit. This charge is not mine and I should not be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize XXXX around the time of XX/XX/XXXX and appears to be fraudulent, as well as XXXX XXXX around the time of XX/XX/XXXX. Can you please kindly delete these, thank you.
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 recent CFPB laqsuit highlighting signifiant 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I FILED DISPUTE AND I DIDNOT GET NO RESPOND. I FILED DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Product: Debt collection

portfolio recovery associates commits FRAUD!! XXXX has charged off my account because the insurance pays it after 90 days, the fact of the matter is PORTFOLIO BOUGHT INFORMATION AND NOT A DEBT!!! if PORTFOLIO would disclose to me what they paid for the information, then it would be lawful for me to pay this amount, but im not going to pay XXXX $ for something they paid XXXX $ for, in other words, I accept payment options on CONDITION that PORTFOLIO RECOVERY ASSOCIATES give me full disclosure in writing what they paid out of pocket for alleged debt, it hasnt even been proven as a " debt '' see below memorandum, this is clearly a misrepresenation of amount and they are in VIOLATION False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they arent ; or indicate that papers they send to you arent legal forms if they are. <P/><P/>XXXX : XXXX The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you
Product: Checking or savings account

I wrote a check from my business account ( XXXX XXXX XXXX  XXXX XXXX ) to a company/vendor for the amount of {$1600.00} and dropped the check in a secured official USPS post office mailbox on XX/XX/2023 ; on the morning of XX/XX/2023, I received a notice from Wells Fargo ( my bank of XXXX years ) that the check had cleared for {$11000.00}, overdrawing my account by {$450.00}, yet showing it still cleared/ paid by my bank. I immediately went online to pull up a copy of the check and saw that it had been clearly forged ( company name crossed out, name of " XXXX XXXX '' added, " XXXX '' changed to " XXXX '' in the amount, written line clearly showing " XXXX '' was written over " XXXX '' ). I called my bank immediately to let them know the check had been forged, that I did not authorize that amount and did not know the endorser, and asked that they stop payment on the check. I was told that a stop payment could not be issued as the money had already been released and that I needed to file a fraud claim and that it would take up to 10 business days to resolve the claim. It has been over 10 business days and nobody has called me ; my branch manager requested a provisional credit to my account and stated that it was denied by the home office due to the amount of the fraud. I received an email from Wells Fargo on Thursday, XX/XX/XXXX stating that their goal is to provide a resolution on or before XX/XX/2023 ; meanwhile I am unable to operate my business or pay my bills since XX/XX/XXXX due to the {$11000.00} that Wells Fargo allowed to clear my account, even though it was an obvious forgery.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.
Product: Student loan

My wife and I had to file for bankruptcy Chapter XXXX in XXXX as primary physicians it was simply impossible to survive- we have now reliable good paying jobs- have incurred no additional loans ( except a XXXX/ and a XXXXlimitcredit card besides our mortgage ) For 3 years of the five year plan- it i well documented by the XXXX XXXX XXXX that we have been paying into XXXX and Texas XXXX School Loans- until dismisssal of our Chapter XXXX XXXX We then paid a payment to XXXX and to XXXX in XXXX XXXX presented a payment plan with at least XXXX different payment addresses- with a higher balance that the trustee reported + a XXXX penalty/late fee! The Department XXXX list the balance owed as XXXX when the Chapter XXXX trustee list the balance as of XXXX as XXXX.Then Navient started sending emails about nonrepayment of XXXX since XXXX XXXX with also a higher balance that the trustee reported- as if we 've made no payments at all! The XXXX loan at the beginning of bankruptcy filing wasXXXXXXXXXXXX and at the end of bankruptcy XXXX it was XXXX, XXXX! Navient lists the balance owed as XXXX. How did this happen? The totals are off by XXXX dollars and XXXX reports this as a NEGATIVE- we ca n't even begin to get an electric company loan to fix our heating and find a car for work! We have not saved enough for our children 's college and dread that they will be caught in this same quagmire. We are honest paying professionals and have been pummeledby government XXXX XXXX restrictions that make it utterly distressing to have to deal with constant justification for the work we do only to get pitiful reimbursements. All we want is for both Texas XXXX and XXXX loan totals to coincide with the Chapter XXXX trustee reports and get credit for all the payments we made the last 3 years- and have a reliable address ( es ) to send payments to. Stop all this penalty fees while we 're sorting these out ( we had not got any credit for the payments we made in XXXX XXXX! ). Stop Navient from reporting to credit bureaus that we are delinquent when we are not!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company use Experian report and unnecessary review it and every year they decreased my credit limit because they blame credit bureau and another reason High balance. I try to get my proof of credit score dated XX/XX/2023 from Experian but there phone number doesnt have option to speak to person or I get score details on specifics day.
Product: Checking or savings account

Our company XXXX XXXX XXXX issued a check to XXXX XXXX  XXXX XXXX XXXX for {$3300.00}, on XXXX the check was cashed at a Chase Bank in XXXX Indiana near the XXXX XXXX  , we were called several weeks later by XXXX XXXX that the payment was past due. We looked into our account and showed proof that it was sent and cashed, they denied ever receiving the check and demanded payment, we paid them again since this was clearly fraud upon looing at the check and felt XXXX would get our money back from blatant fraud from the Chase bank teller who cashed a check made out to a company and " scribbled out the name with a XXXX marker. 
" 6 MONTHS later '', XXXX is still telling us they are at the mercy of Chase and that there is not timeline on the check repayment from Chase, Chase will not communicate to XXXX or me on how they let their teller cash this company check that was CLEARLY a fraud transaction. 
What do I do??
Product: Debt collection

They still show negative remarks on credit report which hurt everthing I want to do such as purchase my first home. I have stressed that this was a fraud case and they still report negative remarks on my credit report.
Product: Credit reporting or other personal consumer reports

this is for the account listed on the transunion credit file " XXXXXXXX XXXX XXXXXXXX '' with the balance being reported as " {$2300.00} '' this account is firstly being misrepresented, secondly is being inaccurately reported, and lastly the missed payments alone have amass close to {$59000.00} in violations. the fourth issue with this account is the fact that it has been changed off for a few years now meaning the have gotten paid by the Internal revenue service and are still attempting to double dip. pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each carrying a violation of XXXX just for the misrepresentation of the debt and the missed payments that are still being reported on this credit file. amount to about {$60000.00} in violation which any district court would open and closed the case without thinking twice on the matter. When speaking not the matter of inaccurate credit history, this account no longer reports to XXXX, because it was deemed inaccurate due to a date breach, and just plain out fraud. Now due to defamation and willful injury, this case law further supports the allegation that I am making in this complaint, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the damages are said to be to the extent of the damages incurred by the wronged party as deemed by the courts, which can and will add up to be similar to the first charges close to the tune of {$60000.00}. without continue to provide the case law for the other allegations, this is already a {$120000.00} case between defamation and willful injury I am certain the district court will rule in may favor.