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

Ive attached a letter from XXXX/XXXX  sent themselves states that they are NOT reporting and delinquencies on my credit report, yet a late for XXXX is being reported to all 3 credit bureaus, I sent this same letter to all 3 and nobody has updated my credit report.
Product: Credit reporting

I have never lived in the state of XXXX. I have only been a resident in the state of XXXX and the state of XXXX. The information on my credit report is incorrect.
Product: Money transfer, virtual currency, or money service

Wire transfer on XX/XX/2019 of XXXX. The international wire started at XXXX XXXX  and went to hsbc bank of XXXX NY. HSBC bank will not send the money to the recipient at the XXXX  XXXX XXXX XXXX XXXX. XXXX has tried to contact hsbc bank and do a trace and then recall with no luck or reply.. I keep getting told they can just keep my money and its out of XXXX hands. And if hsbc bank don't do the recall or reply they can just keep the money. I have been on the phone with XXXX everyday for since XX/XX/2019 with nothing. But I have been able to contact the hsbc bank that will not return the money .. Thanks
Product: Credit reporting or other personal consumer reports

I looked at my report from XX/XX/year> and noticed are still some things that are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate the accounts listed below XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct.
Product: Credit reporting or other personal consumer reports

My report shows identity theft accounts I never approved. I told you about this and now demand their immediate removal. These false entries cause me distress and misrepresent my credit. I'll take legal action if not fixed quickly. They've blocked important goals like buying a home and supporting my family.
Product: Mortgage

Dear sir, In early 2015, my late wife became ill, and she became deceased. I XXXX XXXX XXXX informed the bank of her passing, which is why I was unaware of any correspondence informing of a change in the pay plan of my mortgages. My bank was authorized to automatically pay from my checking account. They had no right to stop this service agreement because the checking account is only in my name, therefore my late wife had not been enrolled in this electronic payment service agreement, and I am responsible for making payments, which were routinely drafted on the scheduled draft date. 
I should not be charged for insufficient funds because the servicer stopped automatic payment, and that resulted in a late payment or otherwise in default.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent inquires that I did not originate, and need to be deleted immediately. It is my understanding that pursuant to 15 USC 1681c-2 these inquiries must be deleted from my consumer report. 

Please attached Identity Theft Report.
Product: Credit card or prepaid card

I started a fresh start program with Discover on XX/XX/XXXX which would allow me to make payments on my credit card decrease my balance and become current on my credit card. They had me make 3 payments, one on XX/XX/XXXX for XXXX $ which they gave me a XXXX dollar credit with, XX/XX/XXXX for XXXX XXXX and another one XX/XX/XXXX for XXXX $ which i also received a XXXX dollar credit with. Making those three payments forced my account current which was reflected on XXXX XXXX when my balance had decrease down to XXXX, they also reported to the Credit bureaus that i was current on my balance and payments. Now comes XXXX  the XXXX of XXXX i checked my balance, it was over the limit again and they reported to the bureaus saying i was over the limit on my card and late which is not true when i made the payments before the XXXX as the had me due to have my account current so it would not report me being late. I called discover spoke to multiple representatives on the XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX XXXX all told me that they could see i made the payments and were not sure why my balance was reflecting over the limit and that i am indeed current but i would have to wait until the beginning of XXXX so they can report me as being current and on time. I had than spoke to XXXX a supervisor at Discover on XX/XX/XXXX who told me my account had been closed and that yes it was a technical error on their side.She said she would send my account up for investigation to get it reopened but she could not promise that they will do so, which i didn't understand if it was a error on Discovers side and not mine they have reported more than once in the month of XXXX on my credit report and its all inaccurate.
Product: Consumer Loan

Went to pay loan in full ( {$1500.00} ) within 90 days of no interest terms. Duvera financial revoked all terms of contract, applied back interest to date loan was originally issued because I was now calling 4 days past first payment date.Said I now owed Duvera $ XXXX+ to Resolve loan. Refuse to help me resolve loan that day and still till now until I pay their demands. Now they say I owe them {$2400.00} for a loan that is only 5 months old.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ).

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly.

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately.

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA.

Please mail your response to my address listed above.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES F

EDERAL LAW. Please block and remove all erroneous information from my credit report and send me an updated copy. Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to complain against Capital One Bank for closing my credit account in XXXX. I opened the account in XXXX as a secured credit card, and I made all of my payments on time every month. In XXXX, Capital One called me and said that there was a security alert on my account and that they needed me to verify my identity. I told them that I was on XXXX  leave from work due to XXXX  and that I could not go to the post office to mail them a copy of my ID. I asked if there was any other way to verify my identity, such as emailing or texting them a picture of my ID, but they refused. 
Capital One then closed my account, which was my longest-standing credit account. This has had a negative impact on my credit score, making it more difficult and expensive for me to borrow money. 
I believe that Capital One 's actions were unfair and discriminatory. They refused to allow me to verify my identity in a safe and convenient way, even though I was on XXXX  leave due to XXXX I am requesting that the Consumer Financial Protection Bureau investigate Capital One 's practices and take appropriate action. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Product: Mortgage

I am in concern to a mortgage we were approved for but has yet to close. We applied for a Mortgage back in XXXX 2015. We were approved sent in all our financial information, had our appraisal, foundation inspection, final approval and had to have a rent survey of our area. We prepaid for all of our inspections as they requested. Our seller did all his part and our closing dates have been changed as they requested the same information over and over again. Now they have let the appraisal expired and are asking it be redone again and start over. How are they allowed to do it? They have delayed several times and sent SAME docs OVER AND OVER AGAIN WITH THE SAME INFORMATION JUST CHANGED THE DATES.to be signed with same information several times. We have had dates to closed promised, and always delayed with XXXX excuse or another. ALSO THEY TOLD US IN A EMAIL NOTHING WOULD EXPIRED IT WOULD JUST BE UPDATED IN NEW DOCUMENTS .. THIS IS XXXX ALREADY AND STILL NO CLOSING. Why are they allowed to do this to a home buyer who is committed and has done everything they have asked. Buying a home is a huge investment in your future. It has taken a toll on our health with the stress, and on the lenders side no consideration for the home buyer who has done all they have asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX credit card was opened in my name and SS #. I immediately called XXXX in which they were aware of this fraud opened in my name. I placed a dispute with Experian and they notified me that the information obtained was correct. I have never opened an account with this Company and asked for this to be removed on top of the inquiry from my credit profile in which they refused to do so.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following unauthorized inquiries and their removal from my consumer report : XXXX XXXX NA Inquiry date XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Inquiry date : XX/XX/XXXX
Product: Consumer Loan

Glennon Law Firm LLC was hired by XXXX XXXX to collect on a debt that they claim that I owe, when contacting them they wont answer the phone, send me to voice mail, then they will answer the phone and not say nothing and hang up. When speaking to them they wont answer any questions, they refer me to contact eagle finance, then when i call eagle finance im told to call glennon law firm.its noting but a bunch of run around hassle.
Product: Vehicle loan or lease

Reached out to CEO of company via email and wrote a letter on XX/XX/2021. No response received from anyone on behalf of the company. This is my second time reaching out to them about the same issue.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Credit card or prepaid card

Us bankreliacard basically not providing information about my account being lock, trying to hold ny funds against my well, hanging up in not being Professional about the situation I saw they hang up the phone place me on hold for more than 2 or 3 hoursThe manager also told me the same thing to call representative is saying I have to keep sending my identification two forms of identification in a tax 2019 formAre they keep telling me is to wait so many days so many days time so I might I have to have for {$2000.00} and something on his card there a hold of my money is my will, They are lying telling me that PUA is the one to have to hold on my card, But really theyre just lying they also telling me that they can not give me the routing and account number for this account of mine pretty much giving me the runaround can you help me
Product: Checking or savings account

To : CONSUMER FINANCIAL PROTECTION BUREAU CFPB Date : XX/XX/XXXX Bank issues : CHECKING ACCOUNT Check that was sent to UNITED STATES TREASURE from XXXX  On XX/XX/XXXX I wrote a check to UNITED STATES XXXX  and mailed out personally through the XXXX XXXX at XXXX XXXX and XXXX XXXX. Please see attached proof. 

XX/XX/XXXX, I received a letter from IRS staring that I havent paid taxes for XXXX and that I owe them {$4300.00}. Final due Reminder Notice of intent of seize ( Levy ) your property or rights to property. 
I was going crazy because I remembered that money was already deducted from checking account. 
I went to XXXX bank and got proof of the statement that the check was cash on XX/XX/XXXX. XXXX told me that check was already cash. On XX/XX/XXXX NEXT DAY check was cash by someone from Bank of America account. That individual took a picture of the check and deposited through BANK OF AMERICA MOBIL apps and that individual was able to collect that money {$4300.00} on XX/XX/XXXX, that check was written for UNITED STATES XXXX for my taxes XXXX. ( please see the attached who signed, that is copy from XXXX bank ). 
How is possible that someone was able to collect that check # XXXX under UNITED STATES XXXX name and got away from Bank of America that dont work for the UNITED STATES XXXX XXXX 

Please see the below : Here is the information from the BANK OF AMERICA. With the information below, It will be easy for BANK OF AMERICA to find out who is this individual and charge them for stealing a check to UNITED STATES XXXX BANK OF AMERICA. You need to provide me with some type of monetary compensation for the stress that you have cause me for allowing your bank taking a check that was written to UNITED STATES TREASURE without doing any verification who name was to directly instead of BANK OF AMERICA releasing that check to the XXXX. 
IRS is charging me with interest because they didnt receive payment for the taxes XXXX by, I paid then on time, now I have to pay them and look for money to pay plus interest until I can get my money back from XXXX due to your negligent. 

Here are days lost from work due to the negligent of BANK OF AMERICA releasing check : I am looking for Amount of monetary compensation for the stress you gave me at this time in behalf of you negligent. 
1. 1 day : going to the post office and meeting to the manager and submitting a Postal Inspection Report for the investigation POSTAL CLAIM NUMBER # XXXX 2. 1 day : XXXX XXXX  to meet with representative getting statement and proof of check was cash and when and how. Cashed and cleared on XX/XX/XXXX by sequence Number XXXX XXXX XXXX 3. Going to IRS, 6 days lost of work, going to IRS office and meeting with them. 
4. 3 days : collecting all paper /proof / notary public for the Police Report at the Police Office XXXX XXXX XXXX POLICE REPORT COMPLETED on XX/XX/XXXX and they are doing an investigation. Please let me know if you need case number. 
5. 1 day : Going to BANK OF AMERICA office located at XXXX XXXX they didnt help me If you have any question or need more information, please feel free to contact me. 


XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns 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 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. 
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: Debt collection

On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'SOUTHWEST CREDIT SYSTEM ', and the Balance is {$56.00}. The Original Creditor is 'XXXX XXXX XXXX XXXX XXXX  '.

However, I don't know 'XXXX XXXX XXXX XXXX XXXX ' at all, and I never had any relationship with 'XXXX XXXX XXXX XXXX XXXX  '. I have never lived in California. How can I have a relationship with an automobile club from California?
Product: Mortgage

This dispute is in reference to a previous case # XXXX I filed with you and received a response from the SLS. Please review the document they sent you dated XXXX. In the response sent you on XXXX/XXXX/2015 SLs states that my XXXX payment in the amount of XXXX is still due and this is correct. They also state later in the correspondence that the effective date was moved to XXXX/XXXX/2015. I paid my payment of XXXX to SLS and they are showing receipt but have not applied to my loan. I have also completed the paper for a assistance, mainly a forbearance for my mortgage. I believe these actions of delay are intentional. I also believe I am being discriminated against and their purpose is to make me lose my home by delaying processing on my mortage. I am asking for assistance in the matter. Please forward the the company please. My loan number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violates my rights under the fair credit reporting act. 

They are reporting a charge off account to my credit file claiming the charge off account balance is {$2300.00} and they contradict themselves and report on the same report that the Charge off amount is {$0.00} I am entitled by law to gave have accurate, fair, and complete reporting or data and you can see by the attached document that XXXX has reported data that incorrectly and against federal law 15C.
Product: Checking or savings account

On XX/XX/scrub>XXXX  I tried to log into my Bank of America online banking account and got the msg that online banking is not available to you at this time, please call us at XXXX. I called the first time, was transferred by the first representative to another department who could help me. By the time I got to the second representative ( 30 minutes later on hold ), I was told that I had to be transferred to another department who can help me. I was transferred once again, then the third transfer just hung up on me. 

I called back at the same number and insisted to speak with someone and not be transferred. B of A took 45 minutes to verify and look into the issue and told me they couldn't help me. I insisted to speak to a supervisor and have not heard anything.