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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$50000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

My complaint is with Citibank N.A. On XX/XX/XXXX my brother XXXX XXXX XXXX while being involuntarily hospitalized in a locked XXXX facility for XXXX, XXXX and XXXX ( XXXX XXXX XXXX ) at the Department of Veterans Afffairs XXXX XXXX, XXXX XXXX, CA contacted Citibank stating that I had illegally removed funds ( {$4300.00} ) from his checking account, Attachment 1 and 2. 

On XX/XX/XXXX the Department of Veterans Affairs determined that my brother XXXX XXXX XXXX was iXXXX for purposes of managing VA payments.Attachment 3 and 3A. On XX/XX/XXXX I was a appointed by the VA XXXX XXXX XXXX XXXX XXXX to be my brother 's fiduciary in order to manage his VA benefits, Attachment 4. On XX/XX/XXXX I was appointede by the Social Security Administration to be his representative payee, Attachment 5. The {$4300.00} consisted of {$3700.00} VA funds and {$560.00} in Social Security Funds. 

My brother has been diagnosed by two ( 2 ) Department of Veterans Affairs XXXX XXXX XXXX, XXXX  and XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX as having major XXXX disorder ( XXXX ) with behavior XXXX and XXXX ( XXXX XXXX XXXX   ). Attachments 6 and 7. 

On XX/XX/XXXX I contacted a Citibank supervisor, first name XXXX, XXXX and asked him to look into my claim that my brother wrongfully froze my XXXX XXXX XXXX checking account by claiming the {$4300.00} in checks ( there were 3 ) that I wrote on his checking account were unauthorized. On XX/XX/XXXX I emailed to XXXX scanned documents from the Department of Veterans Affairs describing my brother as being XXXX for purposes of managing VA payments, from the Social Security Administration appointed me to be his representative payee, 3 letters from VA staff XXXX stating that XXXX XXXX XXXX is unable to manage his financial affairs and a letter from the VA appointed me his fiduciary. On XX/XX/XXXX XXXX, the Citibank supervisor, XXXX, asked me to email him at XXXX my brother 's {$4300.00} in expenses and a copy of the court order which was in place from XX/XX/XXXX to XX/XX/XXXX ; which I did except for the court order ; but in a follow-up email I told him Citibank 's legal department should have known that in order for Citibank to see his court order my brother would have had to sign a release which he did not do! 

On XX/XX/XXXX I had a conversation with Citibank 's supervisor, XXXX said that I can not access my brother 's checking account. I told him I had no interest in accessing my brother 's checking since all his funds which are VA and Social Security funds and are now being deposited in a separate fidicuary account in which I control. He then proceeded to say that my brother, who is homelless, will have to contact Citibank in order to remove the freeze on my personal checking account. Citibank 's supervisor lead me to believe that if I email him my brother 's expense documents and a copy of my brother 's California court order Citibank would unfreeze my XXXX XXXX XXXX  checking account. I have suffered emotional and financial damage from Citibank by falsely stating if I followed its requests for certain documents my checking account would be unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All accounts above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I bank with XXXX so I rely on brick and mortar banks to withdraw cash. On XX/XX/2023 around XXXX, I withdrew money from the Wells Fargo XXXX ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I selected {$250.00} to withdraw but only received {$200.00} with no receipt. 

I drove my car around to the front and parked. I first opened my XXXX account to confirm the amount withdrawn. It said {$250.00} ( the {$250.00} + {$3.00} ATM fee ). Then I went inside to report what happened to a human. 

I waited in line for XXXX minutes, then spoke to a teller and his colleague who asked me a few questions then provided me a business card. I was told ATMs are handled by a third party, so there is nothing anybody in the bank could do to help, and that I need to report it to that number. 

At XXXX, I went to my car and called the number on the card. I was told that I need to dispute this with my own bank as they couldn't do anything to help me since I'm not a Wells Fargo customer. At XXXX, I called XXXX and opened a dispute claim. 

On Wednesday, XX/XX/XXXX, I was notified that the investigation was completed and denied. Wells Fargo provided a paper copy of their records that the correct amount was distributed. 

I called XXXX at XXXX to follow-up, asking if they are able to ask for video evidence, as that would prove the full amount was not dispensed. I was told I need to talk to Wells Fargo as XXXX will not re-open the case without additional evidence. 

I called Wells Fargo at XXXX. I was told again and again that they can not help me unless I am either ( a ) a Wells Fargo customer; or ( b ) the bank. I was told I need to talk to my own bank for any further action. 

I called XXXX again at XXXX and explained that Wells Fargo is not willing to work with me since I'm not a customer, but would work with the bank. I asked if they are able to ask Wells Fargo for the video, as I have the exact date, time, and location of the ATM withdrawal. The XXXX agent told me again that the case will not re-open without additional evidence from myself. 

Now I am filing a complaint with CFPB against Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous dispute because all of my student loans with XXXX XXXX are paid off. They removed all but XXXX of the student loans. I have notified them and also the credit reporting agencies and XXXX XXXX still won't remove the balance and report the loan as paid.
Product: Money transfer, virtual currency, or money service

Hi, I recently had a lot of issues with my Wells Fargo bank checking account and credit card. 

I had a fraudulent wire transfer transaction on XX/XX/2022 for {$10000.00} from the checking account. Money was transferred from the credit card to the checking account and then wire transferred to someone else 's bank account. I did not initiate any of these transactions. 

I filed a claim and put dispute request for the money with Wells Fargo. Wells Fargo believed that my old mobile phone number was compromised and asked me to get a proof letter from my old phone XXXX XXXX. I switched my phone company to XXXX in XXXX of 2022 and haven't used that mobile number ever since then. I couldn't understand why I still had anything to do with the number. 
I sent Wells Fargo my last bill statement from the XXXX with XXXX balance for supporting document. It also shown that my number was cancelled since XX/XX/2022. About a month later, I received a rejection letter from Wells Fargo. 

Wells Fargo stated that I am still responsible for the mobile number that was used for those transactions and they will not return the fund to my account since there were no fund available. 

I requested to re open this case and I am still waiting for Wells Fargo 's response. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I miss one payment for XXXX XXXX im XX/XX/2020, I have no intention of not paying the bill I am also a XXXX  based In hospital and been working 24 hours fight for Coronavirus and my score drop 37 points for one month miss that is XXXX ridiculous I need my score back asap
Product: Debt collection

This is in connection with a closed complaint XXXX filed on XX/XX/XXXX regarding XXXX. 

The initial complaint was regarding XXXX selling my private student loan to XXXX XXXX but continuing to report to the credit bureaus for nonpayment. XXXX has since responded with a letter they said they sent me indicating XXXX XXXX will begin servicing my loan beginning XX/XX/XXXX ; however, I've called XXXX XXXX several times and they do not have any information about me or my account. They have no history, nothing current, nothing closed, or nothing pending. My name isn't in the system, my account number, my loan balance, no information at all. However, XXXX has also indicated XXXX reported to the credit bureaus on they're behalf ; but XXXX does not have any account information of me to report. So who is reporting to the credit bureaus if it's not XXXX as the financial service XXXX sold my account to? I have not been able to pay my student loan or make arrangements due to this issue. XXXX doesn't have my account and XXXX didn't have the account. But someone continued to report nonpayment! 

According to XXXX " After the transfer, XXXX began reporting on your student loan on XXXX 's behalf. '' According to XXXX, they don't have my account information and are unable to report any information to the credit bureaus. They have never had my account information. 
XXXX has reported nonpayment to the credit bureaus on a consistent monthly basis ; but has indicated it was not them reporting ; but XXXX. 
XXXX has once again affected my credit score by reporting a closed account and non payment during the month of XX/XX/XXXX as a result of his complaint. 

I also never received a notice from XXXX that they would be servicing my loan as indicated in the letter from XXXX in XXXX.
Product: Vehicle loan or lease

I have a loan with CONN CREDIT CORP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CONN CREDIT CORP with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX with account XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX Account Number : XXXX This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 
XXXX. Section XXXX of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 
XXXX. XXXX XXXX XXXX XXXX : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports.

Specific Requests : 1. Conduct a thorough investigation into this account. 
XXXX. Request XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 
XXXX. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 
XXXX. Provide me with a written response detailing the results of the investigation and actions taken. 

I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention, for the third time, an ongoing issue regarding several settled accounts that continue to be inaccurately reported on my credit report. Despite my previous two disputes and submissions of all necessary documentation, these accounts have yet to be properly updated or removed. The continued presence of these accounts is in clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ). Under Section 611, credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. This includes contacting the creditor, reviewing relevant documents, and ensuring the disputed information can be properly verified. If the bureau can not verify the accuracy of the disputed information, it must be promptly removed from the credit report.

I am now questioning the thoroughness of the investigation and verification process conducted by your bureau. Given that this is the third time I am disputing the same settled accounts, it is clear that the verification process has either not been conducted properly, or the necessary corrective actions have not been taken. The Fair Credit Reporting Act mandates that credit reporting agencies adhere to strict verification standards to protect consumers from inaccurate or outdated information being reflected on their credit reports.

I am therefore requesting the following : -A thorough reinvestigation of these settled accounts.

-An explanation of the specific verification steps that have been taken during your previous investigations, including details of communications with the creditors. 
-The removal or accurate updating of these accounts in accordance with the information provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed by my financial institution and Zelle that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

It's has been discharged. As of this date my consumer Report is not reflecting the change.
Product: Credit card

I have been trying to resolve this issue for over a year. They billed me for XXXX for an item I never received, they have also started to add interest on this amount after the 0 % apr expired. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened both a high-yield savings account and a checking account with Ally Bank XXXX After depositing funds and setting up direct deposit through my employer, I was unable to link external accounts, use XXXX, or request a debit card. 

I contacted Ally multiple times and was told my accounts were tied to a suspended transfer profile from 2014an account I dont even remember opening. Despite this, Ally allowed me to open new accounts and deposit funds without warning me of these limitations. 

I opened a checking account to try and move money out since the savings account was restricted, but that didnt help. Ally claimed the checking account was eligible for ACH transfers, but provided no clear way to use it. My direct deposit has not been posted, my account info is now glitching, and Im unable to access secure messages to get support. 

At this point, I can not access my money in any way, and Ally has not provided a meaningful resolution despite multiple messages and escalations. This is causing significant hardship and is completely unacceptable.
Product: Checking or savings account

I opened a savings account with SELF LENDER. The account has been closed for well over a month yet my funds have yet to be returned.
Product: Debt collection

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. It has come to my attention that these erroneous entries are tarnishing my creditworthiness and standing, posing a grave injustice to my financial integrity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX Balance  : - ; XXXX XXXX Balance  : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$31000.00} XXXX XXXX XXXXXX/XX/2021.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX somebody stole my email and somehow got access to my Wells Fargo bank account. I was at a pool party with my friends and did not touched my phone at all like in XXXX hours. When I got how I was trying to pay my bill phone and my card got declined. The payment went through, but my account was in negatives. It was super weird to me cause I got paid that same day in the morning a total of {$710.00}. I had {$140.00} more besides the money of my paycheck. Total money in my account when I checked it the morning was {$850.00} and some cents. Went I logged in into my account to check what happened to my money, there were XXXX transactions through XXXX. XXXX for {$150.00} and the other for {$700.00}. I immediately panicked because it was my paycheck and I needed that money to pay out my bills. So, I was about to call my boyfriend through XXXX when I noticed I couldnt login. It said somebody had accessed to it. So, I logged in into my email and noticed that somebody changed my password and email from XXXX and made those transactions through XXXX. It was already midnight when I called the XXXX XXXX and Wells Fargo to make a complaint. Days later I got letters from the bank with just my new card and information. Not an answer of what happened to my money. I immediately call and they told me that my complaint had been rejected. This because I had my XXXX ID set up to log in into the bank. With this they can prove that was me who made those XXXX transactions. While all this happened, my instagram account was hacked like I mentioned. They starting posting screenshots of my bank account and other one from cash app even though I dont own one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Routing # : XXXX Account # : XXXX Early Warning and XXXX XXXX has knowingly and intentionally reported inaccurate and fraudulent information it received from XXXX XXXX  XXXX. I clearly understand that these reporting agencies only report transactions and data they receive from banking institutions. However, this information must be accurate and a due diligence to conduct thorough investigation of this information is a requirement for a reporting agency as mandated by federal law. 

In light of recent developments with regards to XXXX XXXXXXXX XXXX and fraudulent activity perpetuated on consumers such as myself and millions of others, I an demanding that all transactions reported by XXXX XXXX XXXXXXXX into my file be removed and deleted as soon as possible. 

Failure to do so means you are a willing participant in the fraudulent activity of XXXX XXXX XXXXXXXX and subject to class action suits as well.