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

Without my knowledge, XXXX XXXX Bank ( XXXX ) increased credit limit from {$17000.00} to {$20000.00}. I contacted XXXX representative to discuss and request that it be kept at its original amount due to identify theft concerns. I also requested she place an " opt out '' note to prevent future increases. She did not mention this would be reported to credit agencies as a decrease in credit limit. 
XX/XX/year> Called WFB to complain ; I was instructed to submit a dispute. 
XX/XX/year> Submitted a written Credit Bureau dispute to XXXX XX/XX/year> XXXX XXXX XXXX to XXXX, Experian and XXXX that the credit increase/decrease on my credit report as submitted by XXXX were, in fact, false and not accurate. The decrease in limit was initiated by the consumer and not XXXX. I also submitted Consumer Statements stating that the information reported by XXXX was false. All three agencies refuse to correct credit increase/decrease reported falsely by XXXX. 
XX/XX/year> Received call from XXXX ( XXXX XXXX that he was advocating for a correction. He was not able to assist me. 
XX/XX/year> Received letter from XXXX ( dated XX/XX/year> ) refusing to correct the information submitted to XXXX credit agencies. 
I am requesting that XXXX reverse their decision and correct information on my XXXX credit reports indicating that " they '' increased credit limited from XX/XX/XXXX - XX/XX/XXXX and then decreased it on XX/XX/XXXX. 
Consumers should not be penalized for trying to protect their credit that, unfortunately, allows credit card companies to automatically increase credit limits without their knowledge. 
This was a WFB error that they reported my consumer request as a " credit decrease '' when, in fact, it was the consumer who requested the change to the original credit to protect credit scores.
Product: Debt collection

XXXX XXXX XXXX contacted me continuously asking for money while i was in bankruptcy. Once my case was dismissed they had men contacting me threathing to murder me of i did n't return my car. I was calked a XXXX and told i woul be murdered u am still afraid.
Product: Mortgage

I applied to purchase our family home at XXXX XXXX in XXXX, IL XXXX, with Wells Fargo Bank and I was turned down repeatedly for credit scores and I was only a few points away from the required credit score. Myself and my wife are a military family, my wife just returned from XXXX and is a Veteran. 

The Mortgage Consultant at Wells Fargo was XXXX XXXX XXXX ID XXXX. My family is still at the house and we have now decided to purchase the home at the listed asking price for cash and they still will not sell us the home and want to evict us. For this purpose I would like to file a complaint.
Product: Credit reporting or other personal consumer reports

My personal information has been exposed as a result of several data breaches. XXXX, Eqifax, and XXXX is reporting inaccurate information on my credit report - the following addresses should be removed : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX, XXXX GA, XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX. XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX  NJ XXXX, XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX. XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX. I am requesting that all versions of these addresses be removed from myconsumer credit report. As well as the inaccurate Social security number listed ending in XXXX I am requesting that you remove XXXX and XXXX from all 3 credit bureaus as this is inaccurate information as well
Product: Credit reporting, credit repair services, or other personal consumer reports

My ontime payment went through an inactive checking account on XX/XX/XXXX for my XXXX XXXX that I lease from XXXX XXXX XXXX due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX  that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX   XXXX and they denied it all times!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccorance with the Fair Credit Reporting act XXXX XXXX Account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

CITI Bank negligence and Abuse : I did a legal name change during XXXX in XXXX. I was updating the names in all accounts and eventually was updating my name in Citi credit cards. 
Reached out to Citi bank customer service who requested to share a Valid ID to update the records. It all started in XX/XX/XXXX. 

I had 2 Citi credit cards & I sent my DL ( ID proof ) with all requested information & Faxed to Citi. 
1 Citi Credit card account was updated with correct name wherein the other card ( XXXXCiti ) was not updated with the correct information. They switched first & Last names. 

Since then, I've been trying to connect with XXXX for the name change. Have reached out several times and nowhere I was given a resolution instead sometimes the customer service put me in hold and cut me off the line ( Abusing customers ). The ignorance by customer service and the Escalation team for my issue puts me in a lot of stress. Their inefficiency to resolve the issues is a big hole in their process. 

I was again asked to share the Valid ID proofs and after 6 months ( XX/XX/XXXX ) again I faxed Citi with all the requested information. Again no communication on my documents whether they are received or not ; During my followup with customer service ; again I was put in hold and the call call got disconnected ( Its literally an Abuse )
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I have some items on my credit file that is on their and I need deleted. I seen these items on my report. I am also am a victim of identity theft. And these things on my report I did not charge or open. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I will hope you remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. I am father of XXXX kids and these fraudulent items will hurt me to provide as father. so please help me while I move froward with helping my family thanks
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XXXX I attempted to make a on line payment agreement but in error I made a payment and a payment arrangement for the amount ( {$350.00} ), got a receipt of the transaction an realized it was wrong immediately called XXXX and spoke to a representative who fixed the issue but did n't reverse the full payment of the above amount. It hit may account after I was told it was taken care of by XXXX associate who set up payment arrangement but did n't reverse charges of full payment. Wellsfargo allowed the payment process even after I called to stop payment stating it takes 10 business days for them to investigate in the mean time my account is in the negative. Contacted both my bank and the merchant with no return call from either company. During this time I was charged for insufficient fund for XXXX accounts XXXX, XXXX and XXXX which I should not be cause it was due to insufficient funds the bank caused my account but now each one has charge me {$35.00} a piece for insufficient funds which I did not cause and was in the allotted time under investigation. I was told by an agent that all charges would be reversed and handled due to this inconvenience to me but they are charging me {$100.00} for insufficient funds which I did not cause while under investigation. I am very dissatisfied with the out come and need to understand why it was not communicated to transaction department or in my file that my account was under investigation for XXXX and that any money coming into my account was not a part of the status that the bank caused ( a direct deposit was made from work on XXXX ) once I informed them that I needed those funds reversed back to the merchant.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the apparent stall tactics employed by your agency in response to my legitimate disputes under the Fair Credit Reporting Act ( FCRA ), specifically governed by Section 1681i.

Over the past several weeks, I have submitted dispute letters concerning inaccurate information on my credit report. To my dismay, your agency has repeatedly responded by requesting additional proof of identity, despite my inclusion of a copy of my driver 's license and a recent utility bill with each dispute letter. This pattern of behavior raises serious concerns about compliance with FCRA regulations, specifically Section 1681i, which mandates a reasonable and timely reinvestigation of disputed information. 

It is essential to highlight that the FCRA explicitly requires credit reporting agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute. This reinvestigation is to determine the accuracy of the disputed information and to record the current status of the information or delete the item from the file if inaccurate. 

Given that the XXXX timeframe has elapsed without a resolution, I must insist on a prompt deletion of the accounts in dispute. The persistent delays not only hinder my ability to secure accurate credit information but may also be interpreted as a violation of the FCRA. 

The constant requests for proof of identity beyond what is reasonably necessary not only appear to be in violation of the FCRA but also contradict the guidance provided by the Consumer Financial Protection Bureau ( CFPB ). The CFPB, in its report on credit reporting agencies, emphasizes the importance of efficient and fair dispute resolution processes, aiming to provide consumers with accurate and up-to-date credit information. 

Moreover, the cases of Gorman v. Wolpoff & Abramson and Davis v. TransUnion, LLC, serve as legal precedents that underscore the obligation of credit reporting agencies to promptly and thoroughly investigate consumer disputes under the FCRA. These cases highlight the importance of compliance with the law and ensuring that disputes are handled in a timely and reasonable manner. 

I kindly request that [ Credit Reporting Agency 's Name ] conducts a comprehensive and expedited reinvestigation into the disputes I have raised, taking into consideration the information previously provided. Delays in resolving these matters not only hinder my ability to secure accurate credit information but may also be interpreted as a violation of the FCRA.

I expect your agency to adhere to its legal obligations under the FCRA and promptly provide me with a detailed response outlining the results of the reinvestigation. Furthermore, due to the elapsed XXXX timeframe, I demand the immediate deletion of the accounts in dispute from my credit report. 

Failure to comply with these requests may compel me to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I anticipate a swift and satisfactory resolution.
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 u.s.c 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 XXXXXXXX ... Account # XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX... 
15 U.s.c 1681 section 602A. States I have the right to privacy...

15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ....

15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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, myXX/XX/XXXX and Zelle failed to investigate my claims adequately. They informed that the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF EDXXXX XXXX  Account # XXXX ; XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; DEPTEDXXXX  Account # 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 : 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

I began acting unlike myself, and doing things unlike normal for me, from spring until late XXXX of 2017. I was taken to a hospital for treatment for several weeks, then sent a lock- down treatment center. I stayed there from XXXX till XXXX. 
My son came to Texas from Col. and had my mail forwarded to his address so he could pay my bills as my power of attorney.Most of my bills were late before he got them. 
I called all my credit card people to explain the problem after I returned home, and most of them did away with all the fees and fines except one bank, who I paid in full. 
I now have 2 late pay marks on my credit report from XX/XX/2017. None of my creditors lost any funds from my illness ( XXXX XXXX ).
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602A. 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 furnisha 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 follwoing 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: Credit card or prepaid card

XX/XX/XXXX - Took 0 % financing offer for dental work = {$900.00} First payment XXXX min {$35.00} XXXX was due XX/XX/XXXX, and the XXXX of each following month. 
I made these payments through online banking via XXXX XXXX XXXX XXXX : XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$53.00} In XXXX I received a bill showing a balance due of {$53.00}. I called Customer Service and was told my XXXX payment had not been received, so I went to the Credit Union and got the proof of payment that showed the check had been delivered on XXXX. Since it had not been cashed, I put a stop payment on it. I then called and paid it by phone using my debit card and the rep waived the late charge because I had made the payment although they were not showing it. At this point I believed my account was paid in full. 

In XXXX I received another bill, for a late charge of {$29.00}. I clearly did not owe this, but just to close the matter, I bought a money order and mailed it on XX/XX/XXXX. Again, I thought this matter was closed. 

But I have now received a bill for a late fee for a " returned payment of {$53.00} '' - the check they had all along but claimed they didn't, and which I put a stop payment on and paid by debit card. And again, another bill with another fee - now showing a balance due of {$64.00}. 

I wrote to the company on XX/XX/XXXX and provided documentation of all these dates and payments. On XX/XX/XXXX they responded that they will not remove the late fee because the minimum payment was not received by the due date. 

I paid all of the installments of this loan in accordance with the contract and have additionally paid {$29.00} that was not owed. I assume my final check was sitting on someone's desk for several weeks after receipt and that's why it was not credited to my account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX Balance XXXX {$18000.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Bank account or service

ON XXXX/XXXX/XXXX I PUT IN {$5000.00} TO XXXX XXXX BANK OF XXXX XXXX. IT WAS A CD WITH 9.5 % INTEREST PER YEAR. IT WAS CHECKED FOR AUTOMATIC RENEW ON THE MATURITY DATES. CERTIFICATE NUMBER XXXX. HOWEVER, XXXX BANK WAS ACQUIRED BY WELLS FARGO BANK ON XXXX/XXXX/XXXX. I ASKED WELLS FARGO BANK ABOUT MY CD ACCOUNT AND THEY CLAIM THEY HAVE NO RECORD OF MY ACCOUNT. WELLS FARGO BANK TOLD ME TO CONTACT COLORADO.GOVXXXX THEY SAID THEY DID NOT HAVE MY MONEY BUT FOR ME CONTACT FDIC THEY TOLD ME THAT WELLS FARGO IS NOT HAPPY TO SEARCH OLDER STORAGE. I WAS MY THOUGHT THAT MY {$5000.00} CD WAS MAKING A LOT OF MONEY DURING THESE YEARS. BUT I GOT NOTHING BUT A RUN AROUND FROM WELLS FARGO BANK. I NEED YOUR HELP TO GET MY MONEY.
Product: Mortgage

Paid off loan XXXX with cashier 's check dated XX/XX/year>. I had made additional principal payments, which were not posted. NewRez posted a payment as early, so I according to NewRez I was ahead XXXX month. I received emails stating that {$0.00} was due, but the amount was always drafted on my regular draft day of the XXXX despite my additional payments in XXXX. Today, prompted by an email from NewRez, I logged onto my account and see that my XXXX statement shows that I am delinquent for XX/XX/XXXX ( no - I was ahead so when I paid the house off a few days after XX/XX/XXXX ) and that I also owe for XXXX. The cashier 's check was for the payoff amount that they provided and I have received a statement prior to today showing {$0.00} amount due on the principal. The escrow balance did not look correct, but I am going to pick my battles XXXX at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, XXXX XXXX  agreed to do a pay for delete on a charged off bank account I had. Once I paid, they refused to follow the proper chains to have everything deleted. They are a rip-off.