23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Was usbank personal checking and credit card customer since XXXX Opened business checking account with usbank XX/XX/XXXX Deposited a check XX/XX/XXXX then found out XX/XX/XXXX account got closed Called mobile department then transfered to business department then asked to come branch then asked me to call fruad department then asked me to come branch Branch manager confirmed my business account got closed by fruad department said would received a call from fruad department and rereinstate my account csince my check got no problem at all Received account clousure letter and never received a call from fruad department since that
Product: Credit reporting or other personal consumer reports

I have beeXXXX XXXX XXXX XXXX XXXX  years and all accounts and inquiries on my credit report are fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX section XXXX o XXXX states I have the right to privacy ( XXXX XXXX XXXX ( section XXXX XXXX XXXX a section XXXX ) it states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. 

I WANT ALL THE BELOW ACCOUNTS TO HAVE ALL LATE PAYMENTS REMOVED ASAP. This is illegal and a violation of credit reporting act. I will be suing the credit reporting bureaus for falsely reporting and causing me to be homeless for over a year. 

All inquires not tied to an open account need to be removed asap. 

Late payments needed to be removed ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I needed to transfer money from XXXX XXXX, XXXX MS to Wells Fargo. I had to add XXXX XXXX to my Wells Fargo account as an authorized bank. I followed all of Wells Fargo bank-to-bank transfer validation procedures to add XXXX XXXX. I received notification that XXXX XXXX was added to Wells Fargo. Wells Fargo stated the maximum amount that could be transferred was {$5000.00}. I made the transfer transaction through Wells Fargo and received an email on XX/XX/19 from Wells Fargo stating that my transfer was being processed ( see attached email ). The next day, XX/XX/19, I received an email ( see attached ) from Wells Fargo Security Fraud that unusual activity was seen in my Wells Fargo account and my account was locked. I contacted Wells Fargo Security Fraud and they stated even though I followed the correct procedures to transfer money, that is how fraud starts. They directed me to go into a Wells Fargo branch and show them my XXXX XXXX statement and identification to prove that the XXXX XXXX was truly my account. I did what Wells Fargo wanted me to do and my account was unlocked. On XX/XX/19, it became apparent to me that my {$5000.00} transfer had never been applied to my Wells Fargo account. I have called Wells Fargo everyday this week, spoke to numerous Wells Fargo employees about my missing money. They created an investigative case number XXXX. A XXXX XXXX employee made a 3-way call with me to Wells Fargo to attempt to resolve the missing money. Wells Fargo has stated when Wells Fargo Security Fraud froze my account that the transfer transaction was cancelled and the money was returned to XXXX XXXX. XXXX XXXX   was able to contact Wells Fargo ACH department and obtained a trace number for the credit from XXXX XXXX  associated with a debit to Wells Fargo. Wells Fargo ACH department was unable to locate a trace number for a credit going back to XXXX XXXX. The XXXX XXXX  employee tried to explain to the investigative case workers at Wells Fargo that since an off-setting credit trace number was not available in their ACH files, the money was probably in their unposted funds account. Wells Fargo is very adamant that the money was sent back to XXXX XXXX but could not provide any trace numbers to prove that fact. XXXX XXXX  has searched their ACH files to ensure nothing was missed on their end. My money has not been in either account for over a month and is nowhere to be found. During my final conversation on XX/XX/19 with Wells Fargo executive investigative department, I informed them I would be filing a complaint with the CFPB and they said " OK ''. It appears to me they do not care about my missing {$5000.00}. I firmly believe when the Wells Fargo Security Fraud department froze my account, the money was cancelled from being put into my Wells Fargo account and it was not transferred back to XXXX XXXX. XXXX XXXX agrees with my belief that my money is somewhere within the Wells Fargo financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Synchrony Bank ( through Guitar Center ) in XX/XX/2018. I never received my card in the mail, so I called to inquire and was told that I would be sent another one. A few months later, I noticed that this account was reported as " closed '' on my credit report. I have started a dispute twice with Synchrony, who insists that they were correct in reporting my account closed because they had to send me a second card. I don't understand how this could possibly be correct. Even if a lost card was tantamount to a closed account, THEY are the ones that lost my card, so I don't understand why I should be punished for that. My credit score went down because of this inaccurate reporting and I'm very frustrated by the fact that they don't seem to actually be doing any investigating.
Product: Credit card

I have had a Chase Amazon Visa credit card issued by XXXX XXXX years ago. I made many purchases through XXXX over the years. In 2022 I made the huge mistake of accepting the 30 day trial period of XXXX XXXX streaming video and reduced shipping charges and used my card to pay for a second month. Then I terminated the XXXX portion of XXXX. During last fall, the XXXX monthly subscription charge was put onto the card without my permission. I saw this in emails. I called the number on the Chase Amazon Visa card and was asked by menu if this was a XXXX problem. Got in touch with XXXX and the XXXX account charge was reduced to half the billed amount. I wanted it all removed. I called Chase card customer service. I got the rest of the bad charge taken off the card billing. Next month, it happened again, another monthly subscription charge to XXXX. Again I called XXXX and half the charge was removed. I was issued a new card, new number. I guess XXXX and XXXX were notified of the card number change. Again I called and I was transferred to Chase customer service. I explained the repeated bad charge, and again all was removed. I got another card from Chase, another Amazon Visa. Next month I had to go through the process twice more, about a week apart. I submitted a complaint by email to Investor Relations at the corporate offices. I think it must have been passed around. I got a call from someone at " Executive Customer Service ''. I explained, and I was assured it would not happen again. I made sure that it would not by removing all payment options from my XXXX account. And I do not use the last issued Chase ( No longer " XXXX '' but maintains the smiley logo ) Visa card. So I can no longer buy anything through XXXX. Onwards to XXXX, XXXX, XXXX, etc. Through my extensive efforts, I lost no money. But I have no doubt that thousands of others have.
Product: Credit reporting

I had opened a XXXX credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all XXXX credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what XXXX has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me
Product: Mortgage

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Product: Debt collection

ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$1300.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes beginning in XXXX of 2022 in regards to inaccurate items on my credit report. It has been well over 30 days and I have yet to receive any investigation or verification results. In accordance to the fair credit reporting act this creditor has violated my rights. According to XXXX5 USC 1681 602 states that I have the right to privacy, section 604 ( A ) ( XXXX ) No one can furnish information on my credit report with without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw some questionable data reporting on my report from a XXXX   XXXX account with an account number XXXX. I wrote to the bureaus requesting an investigation. 

I received a response claiming to have verified the information reporting, yet I got a letter from XXXX  XXXX dated XX/XX/2019 which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify any data properly.
Product: Student loan

I have been trying to repay my loans through the website using various bank accounts to see which one works but the site keeps prompting that there is an issue. I even called and waited in the call queue for a representative to no avail. Everyday accrues interest and I would like to pay this ASAP. How do I reclaim the time I was prevented from paying and thus forced to accrue more interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

l am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number BMW Financial services XXXX. In XXXX of XXXX BMW Financial illegally repossessed a vehicle I had with them. BMW then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of {$35000.00} and I should have been due some amount of equity returned from the sale.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, **RE : Cease and Desist Request** I, XXXX XXXX, am writing XXXX formally request that the Consumer Financial Protection Bureau ( CFPB ) immediately cease and desist any further actions or communications concerning Credence Resource Management account # XXXX ]. 
XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX PHONE # XXXX is not my number XXXX XXXX XXXX is the correct spelling of my name. All of the accounts on my annual credit report has the name XXXX XXXX without the D meaning that could be anyone. 
This request pertains specifically to XXXX and XXXX XXXX collecting inaccurate data and placing it on my credit report damaging my FICO score.

Despite my previous communications filed XXXX, I have not received sufficient clarification or resolution on the matter, and I believe the actions currently being taken by your office are [ unlawful, unjustified, harassing, etc. ]. As such, I respectfully request that you cease any further actions or communications regarding this issue and confirm in writing that no further steps will be taken. 

I understand that the CFPB has a mandate to protect consumers and enforce financial regulations ; however, I believe that the current situation does not fall within the scope of your authority. I request a formal explanation of your involvement in this matter, including any legal basis for the actions taken thus far. 

Should you fail to comply with this cease and desist request, I will be compelled to explore all available legal options to protect my rights and resolve this issue. 

I kindly ask that you provide written confirmation of the cessation of all actions related to this matter by 15 days from the date of this letter. Please send your response to the address listed above. 

Thank you for your prompt attention to this matter. I look forward to your immediate compliance with my request. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Someone fraudulent accessed my XXXX XXXX  bank account deposited fraudulent checks and withdrawal of money. 

Not sure on date but total amount was about {$9900.00} I was unaware of this happening to my account. XXXX XXXX closed account.
Product: Money transfer, virtual currency, or money service

I am writing to personally express my concers 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 finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I applied for a VA mortgage loan from Guaranteed Rate XX/XX/2017. With XXXX mortgage lender XXXX, XXXX, IN XXXX.XXXX requested for my permission to pull my wife XXXX and my credit reports and we did. At that time he requested for my wife and I XXXX, XXXX XXXX 's and tax returns. Which we submitted. XXXX said base on our credit and income he could get us approved for the VA mortgage loan. So my wife and I agreed to the loan process. XXXX processed my loan through and stated because of my bankruptcy was not 2 years out it would be a problem. I informed him that VA will allow Hardship letter to be accepted for the 2 year waiting period after bankruptcy. He checked into it and contacted me. Saying that he would give me an pre-approval letter, but he did n't want to sign his name to the pre-approval. So he suggested to get a full approval by a manual underwriter my wife and I agreed. After looking at my credit report and income XXXX VA mortgage loan was to have me sign a loan application, which my wife and I did. We began the process with no pre-approval loan letter under the understanding that the underwriter would approve our loan. We sent in every document request by the loan processor XXXX Mortgage consultant and XXXX XXXX. XXXX, XXXX and XXXX all knew what was on our credit report and my hardship letter for the 2 year waiting period. My hardship letter was acceptable for the VA. I contacted the VA Affair inquired about accepting my hardship letter and they inform me it would be accepted, but the lender would be the one 's to accept it or not. On XX/XX/2017, I received a phone call from XXXX saying my loan was denied. For the bankruptcy and a late payment on my credit card from last year. So I asked did the VA not accept my letter of hardship to reference the 2 year waiting period and he said his VA underwriters would not accept it. Alone with some late payments on my credit card. I said really. You had me wait a month to tell me we was denied the loan. Even after you knew my credit report history and why I did a bankruptcy, but you still sent it to underwriter to denied me the VA mortgage loan. XXXX then stated if you contact me in XX/XX/2017 we will be able to get you approve, because it will be after the 2 year waiting period. So really I did n't get the loan because they did not want to accept my hardship letter. How is that ethically moral. I feel like I was took advantage of, because they knew they was n't going to give me a loan. After taking the HUD Home buyers class. I was inform that before going to the underwriter I should have been giving a pre-approval letter. Which I never received. This mortgage company took me for a roller coaster. By pulling my credit and causing our score to take a hard hit. Misleading and misinforming us on the VA loan processed.
Product: Debt collection

The XXXX XXXX XXXX is trying to collect a debt from a hospital visit, however it was discharged in Chapter XXXX this past XX/XX/XXXX. I explained this to them, but they proceeded to add this to my credit report as debt owed.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

Eastern Account System , Inc. makes repeated calls to my home without leaving a message. Research revealed that they are a debt collection company. I do not have any debts in collection.