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

Comerica Bank inaccurately reported information to a Consumer Financial Protection Bureau called Early Warning ( Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXXPhone : ( XXXX ) XXXX ). Comerica Bank wrongfully reported that I committed banking fraud when I have never written a bad check, nor have I ever conducted any unlawful or illegal activity with any bank. I reached out to Comerica Bank 's quality assurance department on XX/XX/20 by calling XXXX. I spoke to XXXX who aggressively attacked me. She made a very XXXX joke about the political organization, XXXXXXXX Lives Matter. She  stated " well all bank accounts matter '' when I asked for a supervisor. Comerica Bank has a long history of racism and hostility toward their clients and hit is very well documented online. I will list a few links in this complaint : ( XXXX XXXX XXXXXXXX 
XXXX & XXXX & XXXX ) ( XXXX XXXX XXXXXXXXXXXX ) (   XXXX XXXX XXXXXXXXXXXX )
Product: Money transfer, virtual currency, or money service

I can not send money as way of ACH using XXXX, to verify my account to send an ACH. I have had this problem a few months ago and the PNC Bank stated they are fixing it. I tried to verify again today and they have not fixed it at all. I will not be able to contuine having an account with this bank and if they want to charge me {$45.00} to send a wire transfer everytime, when I could send a ACH free. I don't belive this is fair to the customers.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was trying to buy a puppy and used zelle to send the money to the person Zelle got the money by bank confirmed it. I later found out the whole thing was a scam but my bank XXXX XXXX said they couldnt do anything because zelle has the money so I called zelle so that I can cancel and get my money back but they said the scammer already has the money and theres nothing they could do.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Hyundai Motor Finance for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Hyundai Motor Finance regarding ongoing inaccuracies in my credit reports related to a leased vehicle that was eventually deemed a lemon under Californias Lemon Law. Despite multiple assurances from Hyundai Motor Finance that my payment history would be cleared as a goodwill adjustment, the inaccurate information persists across all three major credit bureaus. 

Background of the Issue In XXXX, I leased a vehicle from Hyundai Motor Finance that soon developed significant mechanical issues. The car spent several months in the shop, during which time I did not have possession of the vehicle. Despite this, I continued to make lease payments on time, as agreed. Eventually, the vehicle was deemed a lemon under California law, and Hyundai Motor Finance assured me that as part of the resolution, my payment history would be cleared as a goodwill adjustment due to the significant inconvenience and financial burden I endured. 

However, despite these assurances, my credit reports with XXXX, XXXX, and XXXX still reflect multiple late payments that should have been cleared. Specifically : XXXX & XXXX : 30 Days Late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : 30 Days Late on XX/XX/XXXX Account shows as current as of XX/XX/XXXX, which is inaccurate as the lease has since been terminated. 

Attempts to Resolve the Issue I have made numerous attempts to rectify these inaccuracies directly with Hyundai Motor Finance and the credit bureaus, but the errors persist. Hyundai Motor Finances refusal to correct these mistakes has resulted in significant financial harm, including the deterioration of my credit score, difficulty obtaining financing, and potential loss of favorable credit terms. 

This ongoing issue represents a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that companies furnish accurate information to the credit bureaus. Hyundai Motor Finances failure to correct this known issue despite multiple opportunities to do so is not only negligent but also unlawful. 

Impact of the Inaccuracies The inaccurate reporting of late lease payments has severely impacted my financial situation. The vehicle in question was in Hyundais possession for several months due to its mechanical failures, during which I continued to make timely payments. These late payments should never have been reported, as the lease was under dispute and ultimately voided due to the vehicle being declared a lemon. 

The financial loss I have incurred due to these inaccuracies is significant, including higher interest rates on loans and credit cards, rejection of credit applications, and an overall decline in my creditworthiness.
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. 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 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: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} 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 XXXXXX/XX/XXXX
Product: Credit card

XXXX I received notice from Wells Fargo that a suspicious charge to my card was declined and request verification of a series of charges prior to that date. Confirmed the suspected charge was fraud and that all previous charges were valid. The next day I tried to use card and was declined. A check on my account was blocked. I received a txt message and email from XXXX requesting my confirmation on the questioned charge and I confirmed the declined charge : XX/XX/2023 XXXX XXXX XXXX Unknown {$3000.00} Declined was a fraud attempt. When I tried to find out why my account was blocked I got no explanation and was transferred from person to person in a well-known blocking tactic to keep such inquiries from reaching the people responsible while using my airtime at my expense! After XXXX weeks of this insulting denial of responsibility and no replies to the emails I sent to the above fraud department email address which had replied to my verification of fraud I today made the XXXX miles round trip to the nearest Wells Fargo Bank branch and presented this issue. This rep spent an hour passed from person to person within WF until he was able to get someone to admit why my account had been blocked. They were responding to the FAILED phishing attempt by punishing me by blocking my account! I was subjected to an interrogation of all my background information, presented my VA photo-ID card as proof of identity and treated as a suspect in this fraud attempt. The investigator was trying to blame me for this attack when WF has become a target due to their lack of intelligent structure and easily overcome system checks. I'd used my card only since XXXX, only one card was issued to me, and I was the only authorized user. Yet this WF XXXX was trying her best to fix blame on me for this event rather than the failures of WF to verify this childish and amaturish attempt inconsistent with a true phishing scam. Obviously attempted by someone not familiar with this scam, and possible done by WF personnel to force me to prove identity at a branch bank presenting a Federal issued ID as proof becuase they are incompetent and too stupid to know how to confirm identity without resorting to these bizarre actions. No other bank card has created this problem and with my XXXX  credit score of XXXX is not in question... but, these fools ignore common sense and punish the customer for their own failure to provide safeguards and their propensity to blame the victim /customer for the criminal act of another. Rather than going after the person presenting the bogus charge using the trail of connections used to make the claim, and reporting this Felony incident to the FBI, which they are required to do. 

WARNING : DO NOT DO BUSINESS WITH WELLS FARGO WHICH HAS DEMONSTRATED LACK OF KNOWLEDGE, INTELLIGENCE, OR COMMON SENSE IN DEALING WITH MATTERS OF CRIMINAL ACTIVITY OUTSIDE THE CUSTOMER 'S CONTROL OR KNOWLEDGE. DON'T SUBJECT YOURSELF TO THE SAME PUNISHMENT BY WELLS FARGO FOR ACTIONS OF CRIMINALS ATTRATED TO WELLS FARGO BECAUSE OF THEIR LACK OF INTELLIGENCE OR COMMON SENSE.
Product: Mortgage

My loan was conditionally approved and was supposed to close today so. I was informed yesterday that my closing wasn't going to happen, because I needed a new one 12 month mortgage history. My mortgage is reporting on my credit report, they have a fantastic day credit supplement showing current, they also have a letter from my mortgage company stating I've not been late on the mortgage. The payoff shows that the payment due is for XXXX. With an XXXX Accept, FHA does not require a credit card payment history. I know this to be a fact as I am also an underwriter. I have have provided all documentation required of me even while recovering from XXXX XXXX. This is very upsetting that after all this they are finding baseless reasons to not close my loan. As they have not provided any valid reasons based on agencies guidelines. The only reason I see for not closing my loan at this point is the fact that I am XXXX. There's no other valid explanation. I am also attaching a copy of the original loan approval that did not require a mortgage history.
Product: Debt collection

Please have a senior XXXX from your company certify under the penalty of perjury that I received goods or services. I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Failure to comply to request 15 U.S 1681o Civil liability for negligent noncompliance ( a ) In general any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case if any successful action to enforce liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
The dispute items Bullcity Financial solutions The accounts have been reported to my credit profile due to an act of fraud ; I do not own this account.
Product: Credit reporting or other personal consumer reports

XXXX opened a new trade-in for my XXXX XXXX  instead of transferring a consolidated loan that was sold from XXXX. Now I show XXXX different XXXX XXXX that shows a XXXX balance. Even though my student loan have been forgiven, they are still being reported under my credit as showing I owe a balance with XXXX, whom reported that they can't update my credit report and that XXXX needs to make the change and update my credit report to show a XXXX balance.
Product: Mortgage

I've requested several time with XXXX XXXX my servicer a mortgage modification based on my XXXX income. XXXX XXXX has been unwilling to reduce my house payment and has been very difficult to work with. I don't want to loose my home to foreclosure. 

XXXX XXXX refused to provide details on a repayment plan that was recently offered and they were also going to make a {$50000.00} Private mortgage insurance claim. My new mortgage payment was going to remain the same and I my mortgage payment was increased including my escrows being short.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCR A 605b which mandates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FCRA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in  the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than  4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating t o any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Student loan

NAVIENT is NOT stating a balance on my payments received by them, I have no way of knowing if they are applying these payments to my account, they actually show an increase to my principal.They only send me a new payment schedule with bigger balance .I have tried to get answers on the phone to no avail.Please Help.
Product: Debt collection

On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX Hospital in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two seperate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked teh debt collector reprsentative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been recieved. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not recieve anything in mail after a week I called the debt collector and asked them why I had not recieved anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Diceptive Acts of Practice which was very misleading for me and an very unnessary process to do the things that I need to do.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Mortgage

My father passed away in late XXXX. He had a home with a mortgage being serviced by Wells Fargo. The home was passed to my sister and myself through probate. 
In XX/XX/XXXX, I called to inquire about the CARES Act and forbearance. I was told that as a potential successor-in-interest, I could enter forbearance. I had been paying the mortgage until then, and discussed what happens at the end of forbearance. I was told that I could tack the differed payments onto the end of the loan, pay them off in whole, or ask for a loan modification. I said I wanted to move the payments to the end, but was informed that it had to be done at the time you actually call to stop the forbearance. 
Towards the beginning of XXXX, I started calling to inquire about ending forbearance. I started being told I could no longer move the payments to the end of the loan because it was " not my loan ''. I explained that I was the one who entered forbearance, and was told how I could resolve it. I was told they stopped allowing people who inherited a house to move the payments to the end. I had ONLY two options : the first was to pay all the missed payments in a lump sum and then continue to making the payments as normal, or secondly, to apply with Wells Fargo for a new mortgage loan under my own name. I was told that Wells Fargo was only following XXXX XXXX XXXX rules ( who owns this particular mortgage ). I spoke with a XXXX XXXX representative, who explicitly stated that they do not tell Wells Fargo to limit a customer 's option for ending forbearance, and that all available options should be offered to me for any loan they own. Unfortunately, XXXX XXXX does not have the power to make Wells Fargo do the right thing, so referred me to the CFPB. I even contacted my U.S. Representative, though his office was unable to do anything for me than to contact XXXX XXXX. All I have been trying to do is to do what millions of other Americans have done- move the payments deferred under forbearance to then end of the loan. I do not have the money necessary to pay a lump sum of all deferred payments, nor can I ( nor would I ) apply for another entirely new mortgage with Wells Fargo. This bank needs to be held accountable for yet another way they have found to take advantage of their own customers.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XX/XX/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 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting

They told me it remains and need to discuss with creditor over three times. Now if it is n't deleted here soon, I will take legal action!!!