23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The following dates are when I made contact with Transunion via latter disputing inaccurate information on my Credit Report. On or about XX/XX/2016, on or about the XX/XX/2016 ( Certified Mail ) & on or about XX/XX/XXXX. On or about XXXX/XXXX/16 I called Transunion requesting an update on the status of my disputes and the Representative informed me that they are still being investigated. I replied by saying that it has been more than 30 days since my dispute. I was told to be patient and that my disputes were being investigated. Approximately 1 week letter I got a letter from Transunion AT MY HOME ADDRESS stating they will not investigate my disputes regarding the " Inquires ''. The next day I called Transunion and the Representative confirmed what the letter stated. Furthermore, the Representative told me IT WAS MY RESPONSOBILITY to contact each establishment and have them send me a letter stating that the inquiry need to be removed from my Transunion Report and once I received that letter I can forward it to Transunion. On or about XXXX/XXXX/2016 my neighbor visited me at my home and gave me a letter sent by Transunion to her residence with my name on the envelope. The letter was regarding that they did not have my up to date address and until then a proper investigation will not be conducted ( If that was a true statement why did Transunion successfully send me a letter to my HOME ADDRESS/RESIDENCE on or about XXXX/XXXX/2016 ). Based on this incident it is reasonable for me to think that this is a tactic being used by Transunion to delay in doing a proper investigation to determine if the information I disputed are in addition to bringing into question the quality of their investigation. Transunion has my accurate address. Please note that my first contact with Transunion has been more than 60 days ago. Supporting documentation are available upon request.
Product: Credit card or prepaid card

After being late on a minimum payment, my interest rate was increased from 15.99 % to 29.4 %. During this pandemic, how can a large business like Capital One be charging a struggling small business 30 % interest. Especially while interest rates are at an all time low. The spread they are charging must be usury. Even worse, I have to make 12 consecutive on time payments before the rate can be adjusted. So I have to pay almost 30 % for year! When I called they said it was part of my terms of service agreement. My comment was that was signed when a pandemic wasn't going on. They would do nothing to help.
Product: Checking or savings account

ubject : Delayed Release of Funds and Inadequate Customer Service at Wells Fargo Dear XXXX XXXX XXXX, I am writing to file a formal complaint against Wells Fargo for their handling of a recent transaction. 

Issue : Delayed Release of a Deposited Check Date of Incident : XX/XX/2023 Description of the Incident : I deposited a check for over {$4000.00} into my Wells Fargo account. 
Wells Fargo informed me that the release of these funds would take more than seven business days, which is a significant delay. 
I have contacted Wells Fargo multiple times ( more than 4-5 instances ) seeking a resolution. 

Actions Taken : Contact with Employer and Issuing Bank ( Chase ) : My employer confirmed that the funds were indeed pulled from their account. However, when requested, XXXX stated they do not issue letters of fund release but provided a phone number for fund verification. 
Response from Wells Fargo : Upon contacting Wells Fargo with this information, I was told that they do not perform fund verification. After persistent communication, a representative attempted to contact XXXX but reported being unable to obtain the necessary information. 

Grievances : Lack of Support from Wells Fargo : Throughout this process, the assistance from Wells Fargo has been inconsistent and largely unhelpful. 
Financial Inconvenience : The delay in releasing a significant amount of funds has caused considerable inconvenience and potential financial strain. 

XXXX XXXX : XXXX XXXX of Funds : I request an immediate review and release of the deposited funds into my account. 
Explanation and Accountability : I seek a clear explanation for the delay and mishandling of this transaction, along with appropriate measures taken to prevent such occurrences in the future. 

Your assistance in resolving this matter would be greatly appreciated as I believe that the situation reflects a significant oversight in customer service and transaction handling by Wells Fargo.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. All negative items reverted from a dispute status to " Verified, '' however, I received no response stating how this information was verified. I then mailed a second verification letter, ( USPS shows it was signed for on XX/XX/XXXX, I called to ask why my accounts were not in a dispute status. The woman i spoke with on XX/XX/XXXX advised me that my letter had not been received ), asking them to prove to me how this was verified. The crazy thing is, I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. I received No response from most of them. I received a letter from one company stating they " CAN NOT LOCATE '' the accounts listed on my credit report. I received another letter from a different collector listing SOMEONE ELSE 'S MEDICAL RECORDS! I have given well over 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting CLEARLY Unverified, Invalidated, AND Inaccurate information to my credit report?
Product: Credit reporting

TransUnion continues to report obviously incorrect information for the XXXX account on my credit report. It shows a 90 day late payment for XX/XX/XXXX. It is not possible to be 90 days late in a 30 day period. Moreover, if payment was 90 days overdue for the 30 day period of XX/XX/XXXX ( which defies basic logic ) why does the report show on time payments for the following adjacent months : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX ; and XX/XX/XXXX? Transunion has an obligation not only to verify information reported from a creditor, it is also obliged to report information accurately, which it has clearly failed to do.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Checking or savings account

I hav e $  XXXX + being held by Suntrust bank for nearly a  month now. The funds were sent in via wire transfers and should have been made available immediately. They closed the account on  XXXX   XXXX ,    2017 and   still have not given me my funds. I called this morning and spoke t o 2  different individua ls, one a manager and was told th at they had no intent to send me my money. They said I needed to contact the financial institutions that initially sent the money. I asked what I was supposed to say as of course I had no account information and was n't their client. I asked where the money was that was received, NO ANSWER. I asked if she was insinuating they had returned the funds to the originator and if that is why she was asking me to call those banks and she said s  he had no information regarding such.
I had a customer contact Suntrust 3 days after paying for an order and say they did not initiate the wire. I provided 30 or so pages of documentation and communication for over a month with 4 different employees from that company - AMPLE PROOF they did in fact send the wire - an email directly from the owner confirming that and could not get ANYONE in the fraud department to review the paperwork. The customer wanted to cancel the order which was fine but they lied and said the wire was not authorized. I will be happy to provide ALL of this documentation.
A suntrust Branch manager told me concretely MULTIPLE times th  at any funds coming in would be disbursed at the time of closing the account. She said I would have a bank certified chec k within 5 - 10 business days.      That money is contractually obligated. I must fulfill those contracts by  XXXX   XXXX ,  2017 and they r eq uire a 4 week production time. Any and all Liability is now on Suntrust Bank. They are putting me out of business and CRIMINALLY STEALING MONEY.
Product: Debt collection

Capio Partners is reporting to the credit bureaus that I have medical debts that were opened up on XXXX XXXX, 2015 which the date of service that I needed medical attention happened years ago. First, I do not have any knowledge of receiving notification of these debts and who are asking for payment. Second, they are reporting the debt to credit bureaus with a recent collection date making the FICO scores drop because the system think that this is a new collection instead of reporting the date as to the last date of service.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of my 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 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

Experian has been called several times and has not completed any investigations. Experian Representatives have stated investigations are complete. Even when stating I have had identity theft and have proven so, by completing a police report and having data from XXXX stating I was included in password leaks and have settled out of court for the damage. Experian has held to neglecting to remove the information from my profile. I have recorded my last conversation to prove the negligence of Experian and now wish to move forward with a full federal law suite , with this being my second step in a Default notice which will also be presented to Experian if this last attempt is not met with Due CARE, By mail. The audio file is with Specialist of the Fraud Department XXXX who would not give any other information or a report number. I am re-attaching the information provided in the last report. numerous data details which are not accurate remain on this profile, and Experian should be held responsible for continuing to maintain inaccurate data after not acknowledging the Affidavits being provided and stating they have not received them. when I am being provided the received receipts. This has been a year battle with EXPERIAN. Every minute spent calling and every effort communicating with Experian will not go without penalty. As a Service Provider and Company Experian should be held responsible for its contract that states it will protect the consumer. It continues to be an issue today. This serves as my direct report to EXPERIAN to provide Due care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with XXXX and XXXX  Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Pennsylvania XXXX XX/XX/XXXXRE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX Pennsylvania XXXX XXXXXX/XX/XXXX
Product: Debt collection

this Company call me an also my job about a payday loan in 2010 f i own a loan why they calling me know. leaving me messeage on my phone Im tird of these call an my boss is fed up too. they saying they can take my wage take me to court an ect. they call me with a number then they call with an unkown number they keep saying they going to process the paper work they few day later they call again about send money
Product: Payday loan, title loan, or personal loan

They are extremely rude on the phone and hassle me at all hours of the day. Starting from XXXX XXXX to XXXX XXXX or earlier or later.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent Experian several letters stating that there are inquiries on my credit report that were not authorized by me and they are still reporting. i have asked XXXX to provide me with proof that i authorized these creditors to inquire my credit. the following are : 1.US SM BUS ADMIN ODA- XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was called on XX/XX/XXXX by a gentleman representing himself as working for a 3rd party collection agency called XXXX. Upon talking to him he of let me know his name was XXXX XXXX and he had taken over a debt that I owed to a creditor. He claimed that I old a creditor over an even higher cost named spot loan whom I have never heard of. He began to tell me that the original amount that was taken out was one amount but somehow because the interest rate doubled I now owed them roughly an even larger amount due. Again I have no idea who this collection agency is nor I have I received any information any correspondence and/or any form of validation to who they are. 

Upon talking to the gentleman also he began to keep up conversation with me regarding this debt that I owed stating that if it was not paid that he/ would move forward or his company would move forward in litigation in order to obtain the funds to eliminate the debt owed to a company called spot loan. Additionally he also informed me that if I did not agree to pay the said amount the company would move forward and sue me for the amount owed. 

During our conversation on the phone the gentleman named XXXX XXXX continued a conversation with me outside of the realm of the conversation regarding the debt. He continued to discuss with me information that was irrelevant to the debt himself. He then returned to his communication with regard to the consequences that could be done to me if I did not pay the amount of the debt due. 

I have attached our phone conversation to this claim. He also failed to inform me that he was a debt collector and that his call was an attempt to collect monies owed. He threatened me with litigation for a debt that I did not owe. He also informed me that he would send me copies of all of my documentation regarding this issue. It has been a week and a half and I still have yet to receive any form of documentation that would establish any agreement with the company he claims. 

He completely lied about everything that he said and caused me to have XXXX  XXXX and XXXX and XXXX XXXX because he has called over 15 times. He also said that he was located in XXXX New York, however, nowhere on the internet search does it show that this company has offices outside of California or Florida. 

Please help me to find out who this is. He had my personal information such as my date of birth, last 4 of my social security number, my address and the my occupation which can be found on my credit report. 

This is out right fraudulent financial activities. Please investigate this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account : XXXX Balance {$0.00} Opened Date XX/XX/2017. 
XXXX XXXX  XXXX Balance {$0.00} Opened Date XX/XX/2017 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and XXXX, XXXX  and transition are continuing to report fraudulent information on my credit file.
Product: Checking or savings account

On XX/XX/XXXX, I initiated a wire transfer for $ XXXX from Axos Bank. The recipient, XXXXXXXX XXXX, would not let the recipient have the money, so on XX/XX/XXXX, I recalled the wire transfer. I called Axos Bank many times and they said they had not heard from XXXX XXXX  and to wait 20 business days to check if the wire was returned. On the 21st business day, I again called Axos and they stated they would call XXXXXXXX XXXX  and to check back in 24 business hours. When I called them back, they said they still had not heard from XXXX, so I filed a complaint with the OCC and received an email from the OCC with a letter from Axos stating they had heard from XXXX and on XXXX XXXX. Per AxXXXX, on that same day XXXX requested a Hold Harmless Letter and they had no date of when that letter would be sent to XXXX. 

Once I received the letter on XX/XX/XXXX, I called Axos to see what was happening with the Hold Harmless Letter and they told me it would go out on XXXX XXXX. I called on that day and was told it would not go out until the XXXX. 

The morning of the XXXX, I received an email that they were closing my account per their Deposit Account Agreement. I have called them twice asking why my account was closed, but the agent just stated what was in the email. 

I was told in the email that they would still work on reclaiming the wire funds requested and the money mailed to me once received. Today, I called to speak to a manager and they stated it would take one to two business days for them to call me back. 

Part of this money is so my fianc can pay his hospital bill in XXXX, so he can come home. He has been waiting over two months for this money and both Axos and XXXX have held on to this money for no reason.
Product: Vehicle loan or lease

On XX/XX/XXXX I leased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, Arizona for a term of 36 months. Due to my declining physical condition ( Post-XXXX  ) and no longer able to drive safely. I made a decision to relocate from XXXX, Arizona to XXXX, Arizona to an independent assisted living facility. I called XXXX XXXX in XXXX to inform XXXX XXXX I was no longer able to drive safely and would it be possible to terminate the lease early and be excused from the remaining payments. In XX/XX/XXXX, I spoke to XXXX XXXX at XXXX XXXX. Mr. XXXX indicated that it would be possible to excuse the final payments if I returned the car prior to the last 3 months of the lease. I returned the vehicle on XX/XX/XXXX in excellent condition with only XXXX miles on the odometer. On the date of return a XXXX XXXX representative informed me I would be responsible for the {$1500.00} remaining on the lease. I did not have the {$1500.00} to pay the remaining lease amount. A friend who accompanied me volunteered to pay the {$1500.00}. This information was contrary to what I had been told in XXXX by Mr. XXXX ( no longer with XXXX XXXX ). I felt very humiliated and feel as a senior I was taken advantage. XXXX XXXX informed me that they were " in business to make money not give money away. '' I have written to XXXX XXXX and the XXXX XXXX XXXX which have not responded. I have also completed a Consumer Complaint Form to the Office of the Attorney General of Arizona. I returned the vehicle early based on Mr. XXXX 's assurance that I would not be charged the last three months payments.
Product: Debt collection

This just happened recently, just XXXX weeks ago, on XX/XX/2022. A server came to my house. I wasn't the one who physically opened the door ; my sister n law she walked into my room and handed me a summons. I hadn't used this credit card in years ; once I read it, the information on the summons was incorrect following improper serving when the server didn't physically hand me the summons in my possession ; I've already gone to court for this about XXXX years ago, and admitted guilty now apparently, I have to get this mediation for this. States I owe XXXX for capital one.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report information on it is incorrect : addresses, phone numbers and spellings of my name that I don't use also incorrect employment information.