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

We were shut down due to covid, we are a XXXX. 
XXXX XXXX offered us a deferred payment option. 
We accepted it and let them know we were shut down due to covid and we are unable to make payments until it's over. 
They accepted it, and said we were in the program. 
2 months later, we got late payment notices, and they said that we owe them the minimum payment despite saying we didn't have to pay it. 
I told them we couldn't as we're shut down, the said they would defer the others, but we can't use the card and we are still getting charged fees and if we wanted it removed, then we need to pay. 
So we sought to find money to pay it, meanwhile XXXX XXXX reported us to the credit reporting agencies even though they knew we're shut down to covid. So we contacted them, and they said we can only get it off our record if we pay the past due fees despite the Covid issues. We were forced to find outside money and pay, and they said they'd remove it from the credit reports. Then, after we paid the fees they are now refusing to remove from the bad reporting. 
It has now been 6 months and 45 phone calls to them. Each time a representative acknowledges and apologizes and says they'll fix it. Then some mean person calls and says they won't fix it. It's a simple error rfor them to fix.
Product: Checking or savings account

Please refer my earlier complaint against Wells Fargo XXXX. I would like to close my account. There is no chat or secure email option provided by Wells Fargo. When i called on the phone # - there is too long of wait time. 
Please close my account. I have already transferred my balance from there.
Product: Student loan

I graduated from XXXX on XX/XX/2019. I was supposed to be in a 6 month grace period until payments start. I am also a transfer student and begin XXXX College for more than 1/2 time on XX/XX/19. Unfortunately, FedLoan ignored the grace period and has been harassing me since I graduated and demanded payments begin on XX/XX/2019. My mom, XXXX XXXX SS # XXXX, also has a ParentPlus loan with FedLoan and she is having the same issue so I am filing this complaint for both of us. 

I have updated my " transfer '' status numerous times beginning on XX/XX/2019 only to receive the following response : " Thank you for using the school/grace update feature! 
Generally, we receive weekly updates from your school automatically, but it may take some time for your in-school status to be confirmed. This update can happen before you start school or in some situations not until you've already started your new classes. 
If we don't hear from your school closer to your class start date, we will follow up with you to provide next steps if needed. '' I have also followed up with an email explaining my situation ; however, I have never received a reply to my emails to customer service : " XXXX Thank you for contacting us! 
We received your School Enrollment Status question, and will get back to you as soon as possible.In the meantime you can review your account details through Account Access. '' My credit report has been affected. Bottom line, regardless of my school notifying FedLoan, I was  supposed to be in a 6 month grace period and FedLoan completely disregarded. Not to mention, XXXX has notified FedLoan that I  transferred to XXXX and will begin school on XX/XX/2019.
Product: Mortgage

On XX/XX/XXXX I sent in a payment to Midland Mortgage in the amount of {$860.00}. I later on received a statement stating that my mortgage was modified and my payment would be reduced to {$210.00}?? So on XX/XX/XXXX I requested that {$300.00} be return to me and they approved my request. XX/XX/XXXX I called them to let them know I did not receive the reverse payment of {$300.00}. They stated that they couldnt return just the {$300.00} that they had to reverse the full amount. I said fine Why wasnt I told that at the initial conversation. XX/XX/XXXX still no funds applied to my account for {$860.00}. XX/XX/XXXX called Midland to ask about funds stated that since I did the transaction through Bill Payer 3rd party they would have to send the funds there then they would apply to my account. I said what do you mean cant you just reverse the charges, in which they stated no they couldnt and had to send a check to Bill Payer 3rd party. I said fine was their any proof for security reasons a tracking number or how was it mailed? They did not know but would call me and give me more info on that. 
XX/XX/XXXX spoke to XXXX supv stated that a check for {$860.00} was sent to regular mail through the post office box on file in the name of the 3rd party Bill Payer with no security or certification what so ever. I said how can a bank send out such a large quantity of funds through regular mail with no secured application?? Now XX/XX/XXXX no funds have been applied to my account and now no way to find out where this check is and no payment has made made on my mortgage for XXXX and now late for XXXX. 
How can this be possible dont they have to by law send out funds with some kind of security measures? I would never send any funds anywhere without some kind of security or certification or proof. They XXXX XXXX has advised me that to wait 20 days if I dont recvd the funds and within 3-5 business days they would issue another check to Bill payer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of consumer protection laws that have severely impacted my financial well-being and emotional state. I kindly request your intervention in this matter and urge you to enforce the legal rights and protections that I, as a consumer, am entitled to under federal law. 

The violations I wish to address pertain to several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I believe that the following accounts and actions have significantly harmed my credit history, my ability to access financial opportunities, and my overall peace of mind : Inaccurate Reporting ( XXXX  Account - Account Number : XXXX ) : Your reporting has falsely indicated late payments on this account, despite my unwavering record of timely payments. This misinformation has led to a tarnished credit profile, negatively affecting my ability to secure favorable lending terms and causing me considerable stress and anxiety. This is a direct violation of FCRA Section 623. 

Unauthorized Credit Inquiries : The following unauthorized inquiries have been made on my credit report without my consent : XXXX ( Date : XX/XX/XXXX ) XXXX ( XXXX : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX ( Date : XX/XX/XXXX ) XXXX XXXX Date : XX/XX/XXXX ) XXXX  ( Date : XX/XX/XXXX ) These unauthorized inquiries have disrupted my financial stability and violated my right to control access to my personal credit information, as guaranteed by FCRA Section 604. 
The impact of these violations has not only been financial ; it has deeply affected my personal life. I want to share a personal story of how these inaccuracies and unauthorized inquiries have left a lasting emotional toll : Given the significant impact these violations have had on my life, I implore you to take swift and decisive action. I respectfully request that you enforce my legal rights under the FCRA and FACTA and compel the creditors involved to take the following actions : Remove Unverified Accounts : I demand that the following accounts be thoroughly verified and substantiated, and if unable to do so, they must be promptly removed from my credit report : XXXX ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX OF XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) I sincerely appreciate your attention to this matter and trust in your commitment to upholding consumer rights. I kindly request your prompt intervention to rectify these violations and restore the integrity of my credit report. Your assistance is crucial in helping me rebuild my financial stability and regain the peace of mind that I deserve. 

Thank you for your time and consideration. I eagerly await your response and resolution. 

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

I am concerned with the way Zelles handling disputes amidst the recent CFPB lawsuit that showcases the major issues with the platform. Zelle has failed to correct issues previously reported as well as not honoring money transferred to or from my account being readily available as specifically stated. It has made it difficult to receive certain important services such as plumbing fixed, it caused me a rental fee after not getting to my landlord in time, etc. My financial institution and Zelle have both failed to adequately investigate my concerns, and even made my Zelle only available to my savings and not checking which then caused extra charges since I was only allowed to transfer in and out of my savings a certain amount of times before they added charges to do so. It has been told that recovering those lost funds or refunding those accrued charges was not feasible. The findings from CFPB shows that Zelle has neglected has not protected consumers and has also allowed repeat offenders to exploit the system so therefore users are vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute two items that are currently listed on my credit report. The first item is a charge of {$1400.00} from XXXX XXXX, which was added to my credit report on XXXX XXXX XXXX The second item is a charge of {$530.00} from XXXX XXXX XXXX for XXXX XXXX, which was added to my credit report on XXXX XXXX XXXX 

Regarding the XXXX XXXX charge, I am unsure as to why this charge has been added to my credit report. My lease for the apartment in question ended on XX/XX/XXXX, and during my time living there, I always paid my rent on time. I do not owe any outstanding rent. 

Regarding the XXXX XXXX XXXX charge for XXXX XXXX I am a current customer of XXXX XXXX, and I have not had any outstanding debts with them. I can attached a copy of my insurance policy and a statement from XXXX XXXX confirming that my account is up to date as proof that this charge is inaccurate. 

I respectfully request that you investigate these matters and remove these items from my credit report as soon as possible. Please inform me of the results of your investigation and any actions taken to correct my credit report. 

Thank you very much for your prompt attention to this matter. 

Sincerely, XXXX
Product: Checking or savings account

I have been using Venmo for a couple years without issues. However, on XX/XX/XXXX my father sent me a payment of {$140.00} and minutes later they froze my account. They asked for a picture of my I'd to verify my identification. Do, I sent a picture of my state issued ID. They then asked for information to old bank accounts that I unlinked from Venmo almost 2years ago because the accounts are no longer active. I explained I no longer have those accounts and that is the reason they are no longer linked to my Venmo. So now they are permanently closing the account which is fine. However I have asked them to reverse or refund the {$140.00} payment my father just sent me and they refuse to do so. This seems so unfair they freeze and close my account right after having received a significant payment and refuse to refund the payment to my father 's account or give me any access to my money.
Product: Debt collection

The debt-collection agency, Commonwealth Financial Systems Inc., received my XXXX. XXXX certified - return receipt letter on XXXX XXXX, 2015, which was my dispute of their alleged debt and my direction to discontinue contact with me. I retain the postal return-receipt card, identifying Commonwealth 's receiving my certified mail on that date. Still, Commonwealth continues to call me and their most-recent call originated from their phone number XXXX at XXXX on XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

Accounts were disputed that was sold to other companies and a request to validate the loan was never sent or verified so it should have been deleted
Product: Credit reporting or other personal consumer reports

Hi on XX/XX/XXXX I got my credit report and I was look and checking on my report and noticed that there was some unauthorized collections and accounts and inquiries on my account that I didnt not due I sent letters to all three credit bureaus that they was unauthorized and I dont no what the credit report agency are doing I sent letters to XXXX XXXX and Experian and they have not remove them from my credit report account Im very hurt about this It not fairs to me so can you please please check this out and help me I demand this unauthorized accounts be removed and inquiries off my credit report Im not liable for this debt with these companies from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX child support enforcement
Product: Prepaid card

thorough investigation into unauthorized transactions and serious account mismanagement that has occurred on my account ending in XXXX, XXXX, XXXX, XXXX,. As a XXXX woman of XXXX, I am deeply concerned about the security and integrity of my financial information. 

Specifically, I demand immediate answers to the following questions : XXXX. **Unauthorized Address Changes** : Who authorized recent changes to my account 's address without my explicit consent? Provide detailed information on when and by whom these changes were validated.thses cards were issued and not authorized to have been sent out they were issued without my permission and I never gave anyone consent to accept or cash or spend any funds XXXX. **Unauthorized XXXX XXXX : Why were multiple cards issued and activated under my account without my authorization? I need clear documentation of who approved these actions and when. 

XXXX. **Withheld Funds and Payments** : Explain why funds were withdrawn or payments made from my account without my explicit permission or authorization. Provide a detailed account of all transactions and withdrawals made without my consent. 

XXXX. **Negligence and Accountability** : Hold accountable the individuals or parties responsible for allowing these unauthorized actions to occur. What measures will the bank take to prevent such negligence in the future? 

I expect prompt and detailed responses to these inquiries. The lack of transparency and accountability regarding my account 's security and management is unacceptable. I reserve the right to seek legal counsel and escalate this matter further if necessary to ensure the protection of my rights as a consumer. 

Please acknowledge receipt of this letter and provide a clear timeline for when I can expect a comprehensive response to my concerns. 

Thank you for your immediate attention to this urgent matter
Product: Checking or savings account

I've opened a 360 Checking Account on the bank 's website using a public promo code XXXX XXXX XXXX and everything seemed fine initially until my account was restricted the very next day. An email from the bank stated that I have to submit ID verification in order to restore my account access. So I've complied promptly by submitting my Washington Driver 's License on XX/XX/ using the link in the email and was told that the issue would be resolved in 2 days. 

However, no response was received after a week so I've decided to reach out. I called the bank at XXXX XXXX XXXX hoping to speak with someone to get a resolution. A gentleman answered after a long wait and then tried to make the matter very hard for me. I was fine if he's just trying to make sure I'm who I'm, however he just kept going by asking way more questions than I would ever imagined. Half way through the process, he even asked me to submit my ID again although it was already done a week ago, and then, he went on by asking for my full SSN over the phone which I was reluctant to give away. I meant the bank already has that info when I've submitted my application. So I countered to confirm the last four digits only but he wouldn't budge and said he can't help me if I don't give the full SSN. During the call I was actually intimidated multiple times not only by his behavior but also by the so-called bank procedures. I thought he's finished until even more bizarre questions hit me like how did you hear about Capital One, why did you choose to open an account, how do you plan to use your account and so on, which made me felt like I may have gotten scammed by dialing the wrong number. So I double checked the number and even asked the agent for the number of his department, and no doubt, it is Capital One whom I was speaking with. Wow, what an experience from a reputable bank in America! I suspected that this call center may have been located overseas and understaffed, and the whole team there seemed to be poorly trained and treated to have resulted in the kind of service that I've received! 

Before giving up I decided to give it one more try on XX/XX/XXXX XXXX XXXX XXXX  and it went into voicemail box for Customer Protection Resolution Team, so I left one with my full name, full acct number and phone number as instructed. Unfortunately, no call back was ever received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has two 30 day late marks One for XXXX XXXX XXXX inXX/XX/2019, and one for XXXX XXXX XXXX in XX/XX/2019. Both Companies in a 3 party call with my bank have agreed to remove the Late on all three credit reports due to a banking error. The other 2 credit reports have already dropped these two 30 day late remarks. They only remain on Transunion and they were supposed to have been removed. Please take them off asap.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to the consumer reporting agencies asking to have specific accounts on my consumer file removed as they are unlawful and violate the FCRA and the FDCPA. I am recommending the CFPB take a look into this matter. By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, Equifax, and XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me to be denied of housing for my family causing pain and suffering. Every dispute has came back verified but now i demand information how the information was verified if 15 USC 1681a ( e ) says An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. I am also demanding information of me the consumer giving consent to each credit reporting agency with a wet ink signature stating that i agreed to have these accounts furnished on my consumer report. If you can not provide this document then my consumer report must be updated accurately with fairness.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

I was called today ( XXXX ) by a debt collector saying I owed {$3900.00} for a car accident that supposedly happened sometime in XXXX of this year. I was told a XXXX XXXX XXXX was involved in the accident. I do not own a XXXX XXXX nor have I been involved in a car accident for over 5 years. I wasnt told any more information about the accident, such as location, time, other cars involved. I informed the collection company that I had not been involved in a car accident and that fraud or stolen identity may be the issue. Late last month this same company had called my father, who has the same name, who also doesnt have a XXXXr and has not been involved in a car accident.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX reported incorrect information on my credit report. It was due to their own internal system issues and even though they admitted to that, they have not fixed the situation or reported the correct information to the credit reporting agencies. 

I have always had AutoPay set up to a bank account on my credit card. XXXX XXXX XXXXXXXX said they accidentally stopped that program on my card and removed any bank account connections to pay the credit card bill. They also refused to notify me of amounts due. When calling to pay off the balance and set up Auto Pay again, they admitted it was a system mistake on their end. I had to request to another support number to have it corrected and the late payment removed from my credit report, since it was the fault of XXXX XXXX XXXX XXXX. They have refused to take this action.