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

I let wells Fargo reposes my car which I only owed around {$1500.00} left. Not only did it take me almost a year to fight them with getting the proof of sale a documents regarding my Repo ( which is still haven't received ) The blamed me for not having the correct address on file and i have still yet to receive. Now its a bigger problem. I am trying to purchase a house and I tried calling wells Fargo to figure out a deal that i can get it paid off as this is the last thing on my credit. Wells Fargo told me " you no longer owe on the Debt it will be closed in 30 days ''. When i asked why they stated they have an internal company policy for Statue limitations on how long they can collect on a repo and my account has passed their statue of limitations which means they can no longer collect on the loan. So I said GREAT! they advised me in 30 days it will be closed. Waited 45 days yes they closed it but it still shows that i owe the amount. When i asked then if i can have the Statue of limitations policy and proof i no longer owe SINCE my credit still reflects that i have a balance left the guy said no. That i should have called them prior to my statue of limitations was up and that I have to get a subpoena and sue them the get it in witting. As big as wells Fargo is I am not understanding why when it comes to my loan they are so secretive. They give me different answers but never have documentation to back up their claims. Another guy told me to submit a credit bureau dispute but they will just keep coming back and saying that the report is valid. Also since ive been submitting complains wells fargo ha been updating my credit report with more late payments from 2006 which is lowering my credit score. At this point i think i have enough recorded calls and disputes to take them to court but im hoping that it doesn't get to that point.
Product: Money transfer, virtual currency, or money service

I opened an account with Wells Fargo in XXXX Texas I then received a check from Wells Fargo bank and they deposited into my account knowingly that it was a scam and fraudulent however they charge my account took my direct deposit from my XXXX to pay that off and the check was from their company on one of their accounts and they fraudulently scan me out of money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Hi, Im having a problem with my paypal account. They email me that im no longer do business with them. It just happened XX/XX/2023. I know the rules of paypal and i don't do any violation. I'm a freelancer that doing a remote task with my customers. This business account i used to accept payments from my customers. I'm willing to provide my business information, proof of purchase and etc. 

Kindly help to resolve this problem. 

Thank you.
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies my bank and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and tracking these transactions was infeasible.
Product: Mortgage

The company placed a forced insurance policy on our account which is incorrect, we have a in place insurance policy. The company is attempted to cover this by saying we have a shortage in our escrow account. Our 2017 mortgage statement reflects a deduction for hazard insurance, which we pay by electronic debit.
Product: Checking or savings account

An application was completed through Chase Bank for Chase Total Checking account on XX/XX/23. Then it was approved and open/ready setup on XX/XX/23. Finally XX/XX/23 it was activated from a phone. I spoke with Chase rep and verified an account open in my name without my permission ( fraud ). File police report on XX/XX/23 and Police investigator follow-up on XXXX, stating case is open and will follow-up on result. 

3 months ago XXXX XXXX XXXXXXXX, same thing happen, ended up submitted Fraud via phone and had to verify my identity, still no result yet.
Product: Credit card

During the months of XXXX, XXXX, XXXX, XX/XX/year>, my payments for the account with Citi bank were not uploaded to the account after they were supposed to be automatically uploaded & reflecting. The agents upon calling kept stating it was an issue with the systems & it should reflect within XXXX hours. The payments of hundreds of dollars if my hard earned money would just vanish. The same happened to my XXXX  account. So we requested to close the account after making the final payment. Wed escalate calls, contact other numbers to try to speak to corporate & because of XXXX no one would contact us back & theyd hang up in our faces as well. I thought of suing them but the court system was shut down as well. They were taking advantage of consumers that were simply looking to restore credit for their financial needs. Fast forward XXXX years later this account is on my report & I want this faulty account that has received their payment numerous times to be removed. Ive spoken with them numerous times, sent letters & not one person remedied the problem. They just keep lying. My husband even paid a balance he knew he didnt owe & they lied & said it was a pay for deletion & its been XXXX years & still on there. So why would I trust theyd not do the same to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year. These accounts are reporting wrong. 

XXXX XXXX XXXX {$9800.00} opened XX/XX/XXXX XXXX XXXX XXXX {$7500.00} opened XX/XX/XXXX XXXX XXXX XXXXt {$5300.00} opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/DEPTOFED XXXX
Product: Credit card

On XX/XX/XXXX of 2024, I asked XXXX XXXX AAdvantage credit card from Barkleys to close my credit card account. They refused then proceeded to charge me fees. {$99.00} annual fees and then late fees.
Product: Debt collection

My complaint is n't about phone calls, but I believe " communication tactics '' was the closest to my complaint. My main problem is with the Debt Collection Company, the lesser complaint is with the school. 

I 'm currently in a dispute with my local community college regarding a small debt, either {$49.00} or {$79.00}, depending who I speak to. In XX/XX/XXXX I took XXXX XXXX XXXX classes and paid upfront with my credit card. One of the classes was canceled, and I was refunded the money for it. XX/XX/XXXX I received in the mail a small slip of paper saying in part : " Dear XXXX, Please be advised you have a past due balance with XXXX for a XX/XX/XXXX XXXX ... Pay by XX/XX/XXXX '' It did not look like a bill or invoice and my name was not on the slip or the amount owed. I called the college that day and spoke to someone who could n't tell me what class I owed for or provide any of the normal information that one would find on a bill or invoice. The woman I spoke to promised she would do research and get back to me, which never happened. 

I must point out, that I 've never been a matriculated student at this college or had a student loan. I registered and paid for XXXX XXXX classes in XX/XX/XXXX, attended XXXX, the XXXX was canceled, and the money for that class refunded. Also, the paperwork seems to indicate this " debt '' was for something in XX/XX/XXXX, and I never registered for or attended ANY classes in XXXX. When I got the notice from the debt collector, I called the contact for the college on that notice and failed to receive any meaningful information that would indicate I owed them money. The woman was " too busy '' to explain it other than to say that XXXX people in her department looked at the paperwork and agreed I owed them money. I responded that they should send me a proper invoice if they have such paperwork. 

At any rate, they sent this alleged debt to AR Resources Inc., and their first contact with me by mail, they sent the notice to an old address. The address is from at least 25 years ago or more. The XXXX college does not have this address on their records, so I believe AR Resources Inc deliberately used an absurdly old address so I would n't get the notice. The reason I got the notice, despite the old address, is because I still live in my home town and people in the Post Office know me and where I live currently. 

I can not stress strongly enough that AR Resources Inc had to deliberately do EXTENSIVE research to find this address. It 's not a simple clerical error. The house number they used was from the pre-XX/XX/XXXX era. Not before XX/XX/XXXX, but literally before my town had XXXX service, you know? When this address was valid, if you needed the police or ambulance, you would have had to dial the XXXX DIGIT PHONE NUMBER ON A ROTARY PHONE.
Product: Debt collection

I just received a notification from XXXX that a collection was added to my credit reports. According to XXXX it was reported on XX/XX/2017 but I never received a dunning letter and got the notification that it was added to my credit reports today. I googled the information XXXX provided and found out the address/phone number of this company. The amount is for {$180.00} but I do n't know who I supposedly owe.
Product: Credit card or prepaid card

On XX/XX/2021 I applied for a Chase Freedom XXXX card through XXXX XXXX. They said my chance for approval was excellent. I previously checked my XXXX reports and decided to apply. Chase denied me so I called their reconsideration line to find out why. They said I had a bankruptcy on my report and that was the reason why I was denied. My report doesn't have any bankruptcies. On their denial letter they claim I have too many active accounts or too much available credit. That wouldn't make since if I had a bankruptcy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This serves as a formal dispute regarding the debt listed on my credit report, which I believe is inaccurate and not owed by me. I did not give permission for my personal information to be sold and shared to a third party. They need to validate this debt. I need the original creditor 's name and contact information, the account number, the total amount owed, and the date of the last payment. They must show proof of the bill of sale and purchase agreement. They must also stop contacting me repeatedly to collect this debt they do not own.
Product: Checking or savings account

In previous case # XXXX US Bank Responded see attached. AS YOU WILL SEE XXXX XXXX senior customer service frivolous response not to mention a lye, my address is clearly right as well same they mailed checks to and statements his response clearly has no waiver and is wrong as council was secured this goes in the record and clearly shows from inter office correspondences that now not only discrimtory but he has taken this personal
Product: Checking or savings account

I would like to file a complaint against the PNC XXXX ATM XXXX located at XXXX XXXX XXXX XXXX XXXX, pa XXXX. I bought an engagement ring from unclaimed diamonds on XX/XX/year> in the sum of {$1600.00} and on XX/XX/year> my fiance and I went to that PNC ATM location to make a deposit in cash in the sum of {$1600.00} around the time frame of XXXX prior to the XXXX XXXX XXXX. I deposited all {$1600.00} in twenties only all at once and the machine only accepted {$140.00} ( my last cash deposit ) and gave back the remaining cash {$1400.00}. Then I made a second deposit cash only in twenties in the sum of {$1400.00} and jammed the machine. The ATM did not return my cash {$1400.00} but a message appeared stating to contact the financial institution. When I tried contacting the number no one answered so we decided to call the abington police department to file a report. Two officers arrived at the scene and took a report also the officers stated that this situation has happened multiple times here before. The police report number is XXXX and XXXX XXXX # XXXX. In addition, another customer pulled up to use the ATM and stated he had issues with this ATM as well. On monday XX/XX/year> my fiance and I went to my PNC XXXX where I bank at to file a complaint. PNC first credited my account back {$1400.00} pending investigation. After further investigation PNC sent me a letter confirming I did not lose {$1400.00} in the ATM Machine and will be taking the money out of my account that they credited me back. My fiance and I went to the ATM where the incident occurred to take pictures and to our surprise the ATM Machine was completely removed and poles where up in the area where it once was. How can I defend myself with NO ATM Machine available and no footage was available. Now I've been forwarded to a credit collection service for {$1400.00} ( Debt Collector : XXXX ), which we will be disputing. I also contacted the XXXX for I suffer from a severe disability and they should be aware of this situation and the affects I'm suffering. I hope this scam does not happen to any other disabled person or any one in general. Thank you for your cooperation!
Product: Debt or credit management

I was sent a letter that states even though the accounts are paid in full and closed. They will be on my credit for 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a late payment on my credit report which is inaccurate It has been paid in full and needs to be updated on my credit report to XXXX and equifax. under the law 15 usc 1681 they should update my information as accurate and correct. ythis is keeping e from being aboe to run my business properly because of the late payment. please remove it from ny credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting company Equifax has recently been subjugated to mass headlines for data breaches and incorrectly reporting consumer information. I feel that I have been a recent victim of such activity, and as a result have fraudulent entries reporting on my credit profile that I would like to have removed immediately. The entry displays as the following Account : XXXX XXXX XXXX XXXX Open Balance : {$3500.00} Opened : XXXX XXXX, XXXX Type : No info
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

debt that was written off over ten years ago by hospital i worked for.I do not owe this. they are calling repeated to collect debt. i have informed them several times it is outdated by law and to stop calling. no avail they keep calling. i finally got name of company. astra business services in XXXX N.C & gt ; the caller is in XXXX and refuses to stop calling. this was bought off another agency that closed the account, but evidently they just sold it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally expresss my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant isuess 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 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 unfroze and unlocked my credit report on XXXX2025 and lenders are saying it it still frozen. I've me on hold many times trying to get an agent and also the phone prompt system hangs up many times because it doesn't want to send me to a live agent. I got a agent one time just to tell me there's fraud on my credit report and to call experian tomorrow which is Monday. I asked him to resolve but he wouldn't and tells me to contact exerpian tomorrow which is a Monday XXXX-2025. I waited for Monday and 'm unable to get through and the automated prompt hangs up on me all the time now. I have tried more than 20 times.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Complaint Summary : I am filing this complaint due to multiple inaccuracies and unauthorized accounts on my credit report caused by identity theft. .These fraudulent accounts consists of a personal credit card account opened at XXXX around XX/XX/XXXX account # XXXX, and XXXX XXXX around XX/XX/XXXX account # XXXX and other accounts at XXXX XXXX around XX/XX/XXXX account # XXXX, at XXXX XXXX around XX/XX/XXXX Account # XXXX, automobile loan opened at XXXX XXXX around XX/XX/XXXX account # XXXX, at XXXX around XX/XX/XXXX account # XXXX and XXXX XXXX around XX/XX/XXXX account # XXXX. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted supporting documentation to the credit reporting agencies, but these fraudulent accounts remain on my report. These accounts include collections, charge-offs, and loans that were opened & reported without my consent. 

Despite my formal disputes, these inaccuracies continue to damage my credit. Furthermore, I am opting out of all accounts in dispute, whether any consent was given in written, verbal, unwritten, or nonverbal form. I do not provide consent for any continued reporting or data sharing. 

Key Issues : Identity Theft ( 15 U.S.C. 1681c-2 ) : As required by the FCRA, once I submitted my FTC Identity Theft Report, all fraudulent accounts should have been blocked within four business days. However, these accounts remain active on my report. 

Accuracy of Information ( 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies XXXX, XXXX, and experian have failed to maintain accurate and verifiable information. These accounts are a result of identity theft, and I have provided sufficient documentation to prove they are not mine. 

Opt-Out Rights ( Gramm-Leach-Bliley Act, 15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have exercised my right to opt-out of all disputed accounts. This opt-out applies to any consent that may have been obtained in written, verbal, unwritten, or nonverbal form. Despite this opt-out request, the disputed accounts are still being reported, and my personal information continues to be shared without authorization with third party companies, XXXX, XXXX, and experian. 

Privacy Act Violations ( 5 U.S.C. 552a ) : My personal data has been mishandled, in violation of the Privacy Act of 1974. There have been unauthorized disclosures of my personal information without the necessary safeguards or my explicit consent.

Identity Theft Penalties ( 18 U.S.C. 1028A & 15 U.S.C. 1681q ) : The continued reporting of these fraudulent accounts also constitutes violations under identity theft laws. This has caused significant financial harm and distress.