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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Description of Inaccuracy : XXXX and Experian is showing account is charged off, XXXX XXXX account status is a missed payment, the past due amount are not consistent across all XXXX credit bureaus I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Money transfer, virtual currency, or money service

I wanted to buy a XXXX XXXX and I went on an app called XXXX and the seller told me to text him and I did and we negotiate on a price of {$170.00} then I tell him if I pay him on a app and he said if I had the app called XXXX and I went on my bank of America app and sent him the money thinking I had some type of protection either from my bank or XXXX I texted the guy 2 days later and no response then I send a request for my money back saying I changed my mind and he declined it then I send another saying I reported a fraud and found out his location then I look up his number on a website and his location is in XXXX NJ and I looked up his email and it wasn't found. Then I write an email to XXXX and still haven't heard anything from them but doing some research online I found that other people in the same situation get no help at all from XXXX. Please help anyway you can anything is appreciated.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was inhumanly coerced to send XXXX XXXX dollars ( {$2000.00} ) to a Zelle account of a user I did not know. Again, on XX/XX/2023 I was inhumanly coerced to send XXXX XXXX dollars ( {$2000.00} ) to another Zelle account of a user I did not know. On XX/XX/2023, I submitted two ( 2 ) transaction disputes via my financial institution XXXX XXXX. On XX/XX/2023, I received a phone call and was threatened to be " sued '' and " killed '' if I did not cancel the Zelle disputes. On XX/XX/2023, I called XXXX XXXX  and cancelled the disputes out of fear. 

On XX/XX/2023, I opened a XXXX XXXX account. On XX/XX/2023, I received five ( 5 ) notifications that someone attempted to use my identification/personal information with XXXX XXXX XXXX I also discovered on that day that someone opened a credit card with XXXX XXXX XXXX XXXX  under my name with my identify/personal information. The date the credit card was opened was on XX/XX/2023. I did not open this credit card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX XXXX XXXX  I have already notified XXXX XXXX XXXX XXXX  of the account being unauthorized. 

On XX/XX/2023, my financial institution XXXX XXXX  closed my bank account completely. On XX/XX/2023, I received a phone call from XXXX XXXX  informing me of suspicious activity being made with my account. The date the account was opened was on XX/XX/2023. I did not open this account and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX. I have already notified XXXX XXXX  of the account being unauthorized. 

I discovered that Zelle completely closed my account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled in full an account with Wells Fargo on XX/XX/2019. I'm trying to buy a house and my loan agent is helping me work on my credit scores with XXXX, XXXX and XXXX. In order to get the status of my account updated, I requested a letter from Wells Fargo stating my account was settled in full and that no other monies were expected from me. Wells Fargo sent a letter that stated they had received my payment of {$2200.00} on XX/XX/2019 to satisfy the balance for my account and that I do not need to make any more payments. However, in the next section of the letter, it states " In accepting this settlement we intend to discontinue collections. Upon receipt of valid funds, we will update our records to indicate the account is settled. '' ... 

The problem is the clause " Upon receipt of valid funds ''. There are several problems with this clause. ( 1 ) This clause contradicts the above paragraph where it states they received my payment to satisfy the balance for my account. ( 2 ). It is misleading and completely incorrect. They have received my funds. My funds were valid. The funds were withdrawn from my account. The funds were placed in Wells Fargo 's account. The credit agencies will not use this letter to update my credit report because of this one clause. 

I spent most of last week on the phone with them trying to get the letter sent. Finally someone told me it was system generated and COULD NOT BE CHANGED ( even though I pointed the above issues out to them. They sent me to their legal department and XXXX XXXX ( XXXX ext XXXX ) agreed with me and tried to get a letter generated that left out that one clause. Wells Fargo denied him. He spoke with 3 different departments and received the same answer. 

Then I asked if I could authorize any representative from XXXX, XXXX, and XXXX to have access to my account. I was told yes by XXXX in the recovery department and I was told yes by XXXX XXXX XXXX, today, when my mortgage lender said the credit agency called but were denied, I called Wells Fargo back. XXXX @ XXXX said they needed a named representative from each agency. This is completely different than what I was told yesterday. Additionally, I asked XXXX XXXX to file a complaint regarding the wording of the letter and recommended it being changed because of the reasons stated above. 

I've asked for my account status to be updated to the credit agencies and was denied because Wells Fargo says they will update the agencies after 45 days. 

I have used 2 weeks of the house buying process trying to get something.. anything from Wells Fargo stating that I settled the account in full to no avail. I'm running out of time. 

I'm not asking for a letter saying its paid in full. I know I settled. I'm not asking for anything other than the current status of my account which is settled in full with a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX Balance : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX  XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that XXXX  XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX for their posting of incorrect information provided by XXXX XXXX. This action has resulted in an unjustified immediate drop in my credit score by over XXXX points. 

XXXX has failed to resolve a billing dispute, filed in XX/XX/2024, within the legally mandated 90-day period, in direct violation of the Fair Credit Billing Act ( FCBA ). Despite this, XXXX has fraudulently reported this unresolved dispute to the credit bureaus, including XXXX, causing unwarranted damage to my credit score. 

Pursuant to 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$72.00}, nor any associated fees. Consequently, I demand the immediate removal of all erroneous and fraudulent information from all credit bureaus, including XXXX. 

Failure to comply with this demand will result in further legal action, including claims for damages due to the impact on my credit score and the financial harm caused.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Regarding Persistent Inaccuracies and Request for Deletion of Unverifiable Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, TransUnion, and XXXX due to significant inaccuracies in my credit reports, which involve multiple accounts. These discrepancies reflect serious non-compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 
Discrepancies Listed Per Agency with Complaint IDs and Dates : XXXX : '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX Violation of FCRA and Metro 2 Compliance : FCRA 1681e ( b ) and 1681i require credit information to be accurate, complete, and verified. The ongoing inaccuracies and the bureaus ' failure to correct them despite previous disputes demonstrate clear violations of these stipulations. 
Requested Action : Given the severity of these discrepancies and their significant impact on my financial health, I urge the CFPB to initiate a thorough investigation into these matters. I request that any information that can not be verified accurately and completely be deleted from my credit reports to ensure compliance with the FCRA. 
Please acknowledge receipt of this complaint and inform me of the steps you will take to address these issues. Attached are copies of relevant documentation for your reference. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of these persistent inaccuracies. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19 I have been in a monetary trench. I have been doing what I can to improve my credit with the goal that I can approach more assets. I am having extraordinary trouble reaching Experian and attempting to address certain data on my credit report. Experian has extremely poor correspondence, I didn't receive any updates, nor are they approving the data I am contesting. Because of the disregard of the credit agencies I have not been able to push ahead to calm a portion of the budgetary weight I've suffered during the recent months. I mailed correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are attached and gotten no response. I would like to have these matters investigated and removed immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a statement from Capitalone in the amount of XXXX, plus XXXX interest on an unauthorized purchase from XXXX. The card in question, XXXX, expired in XX/XX/XXXX. The card has long since been destroyed. The service in question is a website : XXXX was closed back in XX/XX/XXXX and is unavailble for users. I have contacted the company by mail twice, and by phone once. The assigned a case # XXXX
Product: Credit card or prepaid card

I have a credit balance on the account in the amount of {$79.00}. Contacted Capital One customer service on XX/XX/2021, spoke to an alleged supervisor named XXXX who was downright rude and unprofessional. The recorded phone call will show that I conducted myself appropriately and with manners. Of course, the reply from the bank will be a standard boiler plate " we are sorry '' letter. I am positive that the appropriate coaching and follow up will be completed. Needless to say, Capital One has archaic policies in which they do not refund credit balances back to the registered bank account on file. Rather, the refund is sent through the US mail, which as you know, is having many disruptions as reported in the news.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover bank is reporting wrongful information regarding a debt that allegedly belongs to me. Ive sent my identity theft report and dispute letters via mail, to no avail. They continue sending me computer-generated answers and statements, instead of removing it. 

The FTC clearly states that If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) yet Discover continued violating my rights as a consumer to fair and accurate credit reporting. This discrimination and negligence has been going on for YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or removed XXXX XXXX XXXX XXXX XXXX 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

I obtained a copy of Credit Report from Experian and noted several instances of incorrect information. I sent Experian a letter, Certified Mail, detailing these mistakes and requested an investigation. On XXXX XXXX, 2016 I received a letter from Experian saying that their security personnel had determined that the letter was not sent by me and that there would be no investigation. Additionally the letter stated that Experian would continue to apply this police to other request for an investigation.
Product: Debt collection

On XX/XX/XXXX, upon reviewing my credit reports, I observed a new collection data from National Credit Adjusters. XXXX XXXX supposedly being the original creditor. The collection amount was XXXX. Before the collection data, National Credit Adjusters has never contacted me via mail or phone. Unaware of this debt, I called National Credit Adjusters to inquire about this inaccurate information placed on my credit reports. The representative stated I owed a debt from XXXX XXXX. Explained to the representative that I never had a XXXX XXXX account, this information was inaccurate and needed to be removed from my credit report. The representative stated that was not possible and I needed to pay the debt. Ask the representative for the address and account open date. The respresentive stated the address was XXXX XXXX XXXX XXXX in Alabama. I asked were in Alabama. The representative stated its just says Alabama. First of all, I never lived on XXXX XXXX XXXX somewhere in Alabama. Really, this company couldn't give me accurate information regarding the account or accurate address. I asked for the XXXX XXXX credit services number to dispute the account. The representative stated they may not speak with you regarding the account but precedes to give a number. Called XXXX XXXX with the number NCA representative provided but the number wasn't in service. XXXX XXXX XXXX card services to inquire about the alleged account. I spoke with a XXXX XXXX representative regarding the alleged credit card account. The representative stated she couldn't find my information in the system. The representative asked if I had a previous or current account with them. I informed the representative I never had an XXXXe XXXX but National Credit Adjusters claims I owe this debt. National Credit Adjusters is placing false accounts on consumers credit reports to collect funds. The stated account is not my account and I would the inaccurate information deleted from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research and educated myself on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts in collections now and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts owed in hopes of starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet resulting in my credit being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Product: Mortgage

I closed on a property on XX/XX/XXXX financed by an FHA 203K renovation loan ( {$170000.00} purchase + construction = {$230000.00} loan amount ). The intent was for the house to be my primary residence following construction. The General Contractor submitted a zoning permit application to the local township on XX/XX/XXXX. The zoning permit would then be submitted with a building permit application to the county. On XX/XX/XXXX, we received a denial based on the fact that the existing use of the property, though single-family residential, is a non-conforming use on a Commercial zoned lot in a Commercial District. This was shocking to me since it was sold to me as a single family home! Commercial zoning was not noted on the property listing, appraisal, tax records, title paperwork, etc. I notified the representatives from the title company, mortgage company and my real estate salesperson on XX/XX/XXXX via email and subsequently spoke with them on the phone. Due to the complexity of these issues, I retained an attorney on XX/XX/XXXX and he began communicating with the mortgage company on XX/XX/XXXX. I found out just a few days ago that the loan has been sold! The new company servicing the loan expects my first payment in two weeks on XX/XX/XXXX on the full amount of {$230000.00} even though no construction was done! During settlement I was told that the loan would be sold but that it would n't happen until after all renovation work was completed. The timing of the sale of this loan is highly suspect. Also, apparently the lender did not pass along accurate and complete information to the new servicer. I am now in a position where I own a property on which I can not do construction and in which I can not reside. I also can not use it as a commercial property, even if I was inclined to do so, because my loan is based on this being my primary residence. And I now need to make mortgage payments on a property I ca n't use while paying rent for my current residence.
Product: Debt collection

Portfolio Recovery, they are reporting inaccurate information on my credit. The have sent letters asking for verification the debt is mine and just get papers mailed back with dates and money owed. No contract or anything with my signature showing this debt is mine. They have called me multiple times even after advising them to stop calling me and have had to block multiple numbers from them. I only know its them because it shows up as Portfolio Recovery when they call. They are refusing to remove this from my credit and keeps sending information to credit bureaus saying this debt is accurate but they cant provide valid proof. The original creditor was XXXX XXXX  and I have never had anything with them nor can anyone provide proof.
Product: Bank account or service

I am XXXX of the small church, The XXXX. 
Our church is a customer of the bank Chase, account NO. -- XXXX, account name : XXXX. 
The bank has caused our complaint since XXXX. 
We found a serious problem in our account : The checks that we had issued and the bank had paid in XXXX were used again in XXXX, the bank paid to someone ( XXXX ) about {$1800.00} ( four checks ) from our account. Even though the name ( XXXX ) of " pay to '' was written over the original names that they were already used. We guess an employee of the bank used the used checks. This problem came from the chase bank 's mistake 100 %. 

We claimed the bank to return our money {$1800.00} to our account XX/XX/2016 ( claim No. # XXXX ). But the bank did not even though we have asked every week. They are repeating, " wait ''. The branch bank : No, XXXX address : XXXX, TX XXXX We think the bank must return our money at once. We need the money.
Product: Credit card

This is a basic complaint it does not require dates and amounts Bank of America has taken away the ability to set custom amounts to be paid on the auto pay feature. By doing this and limiting your options to just paying the minimum due or the entire statement balance and as a result are trying to keep people in debt. I feel that a vast majority of consumers will choose the pay the minimum option ( because they have no other choice ), while thinking they will just log in and pay extra manually each month. I believe Bank of America is banking on them forgetting to do that and keep them in debt that much longer. I feel this is predatory banking and should be illegal XXXX XXXX
Product: Debt collection

The transworld/ XXXX XXXX debt is a debt.from 2012 and i was told by XXXX XXXX it would be off.my credit after 6 years and that they would nkt try to collect on it anymore. Now i have it on my report again and its past 6yrs and should not be there and now they wont remove it. Please remove this time barred debt.