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

On Friday XX/XX/2022, I contacted Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX regarding a personal loan. Before I applied, I inquired about the qualifications for the loan with personal banker XXXX XXXX. She stated that Fifth Third uses XXXX Credit Bureau to assess scores, the minimum credit score required is XXXX, and the APR ranges from XXXX % with loan terms of XXXX months. 
On Monday XX/XX/2022, I went into the branch to apply for the loan. At the time of the application my credit score was XXXX on XXXX. The banker stated she would be in contact within 24-48 hours. She did not follow up within that timeframe, so I had to reach out to her myself on Wednesday XX/XX/XXXX. At that time, she informed me that my loan was denied because my XXXX XXXX was a XXXX, which is demonstrably false. 
On XX/XX/2022 I reached out to XXXX to obtain documentation stating that my credit score is not XXXX, nor was it at the time of the loan application. I have proof that my credit score was NOT XXXX when I came in to apply. My credit score has suffered a hard inquiry, a XXXX drop, and is currently XXXX. 
On XX/XX/2022, a representative, in the resolutions department named XXXX reached out to me requesting that I submit documentation showing my credit score from XXXX. I provided all the evidence I had via email. 
On Monday, XX/XX/2022 I contacted XXXX ( Resolutions Dept ) regarding the matter, in which she stated it may take up to three business days to hear something from underwriting. On Wednesday XX/XX/XXXX, I attempted to reach out and was unable to contact her. She later left a voicemail stating the same information that had already been provided to me, instructing me to contact XXXX again. Since then, I have not been able to contact this representative and her number is now going straight to voicemail. 
Fifth Third Bank has discriminated against me based off of erroneous information, violated the Equal Credit Opportunity Act & has caused damage to my Credit Score in the process.
Product: Credit card or prepaid card

On XX/XX/23 I purchased a Vanilla Visa Gift Card at XXXX. I attempted to use the card on XX/XX/23 and upon opening the package I realized the third set of four numbers on the card were scratched off. Since I had an incomplete card I was unable to use it. I immediately contacted customer service to report the anomaly. They requested documentation to prove purchase. I submitted all documents via email on XX/XX/23 I was given ticket number XXXX and I was told it would take XXXX weeks to solve the issue and I would receive an email once it was solved. I had not heard from them so on XX/XX/23 I contacted them again and I was told it was still under investigation. I was told they will contact me once they had results, that I did not need to call them again. Which brings me to today XX/XX/23. I have yet to hear back from them and it has now been many weeks past the timeline I was given.
Product: Credit reporting or other personal consumer reports

Compliance with FCRA XXXX05B entails removing any inaccurate accounts from my credit report. Could you please verify the documents? There are inaccuracies in the reporting of several listed accounts. Compensation of {$1000.00} is required for each erroneous entry on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I previously submitted a complaint to the CFPB regarding this issue. Supposedly the company responded to the CFPB, but I was unable to access anything b/c the CFPB didn't have my contact information correct to be able to match to the complaint and create an online CFPB account. I tried faxing my correct contact information to the CFPB but it appears that now the account/complaint has been closed. That complaint number was XXXX. The complaint to the CFPB was submitted on XX/XX/XXXX. 

My issue is with the credit reporting on a student loan I have with XXXX XXXX. They have incorrectly reported to credit agencies that I have not made payments, when I have, and the balance is incorrect as well. I have been making on-time payments since XX/XX/XXXX and these- and the decreasing balance- have not been correctly reported to credit agencies. This has majorly affected my credit score- and that of my co-signor as well. I tried working with XXXX XXXX directly but they were unable to fix it and asked me to officially dispute. 

I sent my original complaint directly to XXXX XXXX, via first class and certified mail, to three separate addresses supplied by XXXX. One of the address was the address reported by them on my credit report. The other two addresses were off their website. I have yet to receive any sort of response directly from XXXX and it has been almost two months.
Product: Debt collection

This is the second time within the past six-eight months that Convergent has sent me notification about a debt I never owned. I brought the matter to the CFPB and it was removed from my credit report. Now they are at it again. 

I never purchased, scribed, sponsored or gave anyone permission to get service or a phone from XXXX XXXX. They claimed I owe {$1000.00} to this company. I do not! 

My credit score has improved and if they are allowed to introduced this again my score will be tanked again and it will set me back a second time for many months, even years.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Cash app XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Cash App ( Block Inc. ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Subject : Dispute of Unauthorized Charges & Immediate Refund Request Dear Cash App Disputes Department, I am writing to formally dispute unauthorized charges on my Cash App account, which I have identified in my payment history. Despite following the proper procedures for reporting fraudulent transactions, these unauthorized charges have not been refunded to my account. 

Details of the Disputed Transactions : Account Holder Name : XXXX XXXX Cash App Account Email/Phone Number : XXXX, XXXX, XXXX Transaction Date ( s ) : { All of XXXX  transactions are not mine XX/XX/XXXX to XX/XX/XXXX }, { All Credit strong transactions starting from XXXX XXXX to XX/XX/XXXX XXXX, { All XXXX transactions from XX/XX/XXXX to XX/XX/XXXX }, { Any XXXX transactions from XX/XX/XXXX to XX/XX/XXXX } Transaction Amount ( s ) : { XXXX transactions total {$4100.00} } XXXX { XXXX transactions total {$920.00} }, { XXXX transactions total XXXX }, and XXXX add up to {$1500.00} } . 

Supporting Documents Enclosed : 1. Cash App transaction history highlighting the disputed charges. ( In account data ) Under federal law, including the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions are required to investigate and resolve unauthorized transactions in a timely manner. Additionally, the recent Consent Order between Cash App ( Block Inc. ) and the Consumer Financial Protection Bureau ( CFPB ) reinforces your obligations to provide prompt and fair dispute resolution for unauthorized transactions. 

Given the evidence provided and the legal requirements imposed on your institution, I demand that all unauthorized transactions be refunded to my account immediately. If this matter is not resolved within the required timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for further enforcement action. 

Please confirm receipt of this letter and provide a written response regarding the resolution of my dispute. You may contact me at XXXX or XXXX ] if further information is needed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I don't remember the date but it might have been in XXXX or earlier. I asked Wells Fargo if I was elegible for overdraft protection and they Told me no. So when I had a bill come out maybe a week later it was APPROVED even though the funds weren't available and I was told I didn't have protection. I was upset because I wasn't expecting to pay the overdraft fee plus the bill amount after being Told I wasn't covered. It set me back and caused me to have to get my account closed. I called them and asked why did they cover it when I didn't have protection and the representative said they can randomly give courtesy if they want. This was the first time ever mentioned anything about courtesy. I was upset. Nothing was done to fix the issue..
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX 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 or other personal consumer reports

Ive reviewed my credit report and found several billing mistakes. These late payments dont align with my usual payment history. Please correct and update all discrepancies in my account. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I disputed multiple charges of fraud that was turned down. XX/XX/year>, of {$1200.00}, XX/XX/XXXX {$750.00}, XX/XX/XXXX {$450.00}.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel i was negatively impacted by Experian hurting my chances at credit after receiving a response to my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too.
Product: Checking or savings account

Discover bank freezed my debit card and not giving an explanation. They are accepting incoming payments such as check deposit, Inward deposit through bank transfer but not allowing me to use my debit card or banking. When i call they keep transfering many departments saying they have some special notes in the system on my account. I request for closing but in vain.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, TransUnionXXXX have violated my rights.

Under 15-USC, 1681 Section 602 states I have the right to privacy.

Under 15-USC, 1681 Section 604a also states a consumer report agency can not furnish an account without my written instructions.

Under 15-USC, 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

This pertains to the serious systems failure by Capital One Bank. I expected my paycheck by direct deposit on Thursday morning, XX/XX/year>. As of XXXX XXXX  on XX/XX/XXXX, the direct deposit has still not appeared in my checking account. Capital One has claimed to have been working on fixing the problem since the morning of the XXXX and last night emailed me that deposits would be made by this morning. Well, it hasn't happened. Please add my complaint to the very large pile. It is unacceptable that my employer has transferred my salary to Capital One, which is sitting on it and not passing it along to me. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX. I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the EQUIFAX for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XXXX XXXX, 2024, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Mortgage

I have a few complaints about my home and I feel that it was sold to me with undisclosed defects. When we purchased our home, we soon noticed that the roof in the master bedroom had a leak. We also found the original warranty request from the original owner informing the builder of the defect. The builder XXXX XXXX sent a roofer out but the problem is still not repaired. Next we 've recently had a soap dish in our upstairs bathroom break off. When the repair company came out they informed us that any repair made would only be temporary since there was sheetrock behind the shower tile and is was soft and would not hold. The repair company also informed us that sheetrock in the shower is out of building code and should not have been used, that there is a sturdier substance that is made for wet applications and is approved by building code. My attempts to contact XXXX XXXX XXXX to repair have been unsuccessful. So I 'm filing a claim against my mortgage company since : 1. ) The leaking roof was a preexisting problem which I was not made aware of when purchasing the home, 2. ) The sheetrock in the shower is out of building code and should not have been approved and changed before home was sold.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ACCOUNT RESOLUTION SERVICE plus they did not provide me with the original application like I asked. 

Account XXXX XXXX XXXX : {$130.00}
Product: Mortgage

the house was not sold to a 3rd party after the foreclosure sale as Wells Fargo stated in their petition. Wells Fargo is now listing the house for lease. The house was removed from the sales market by Wells Fargo. The house 1st sold after the foreclosure sale in XXXX, XXXX  and was eligible for XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX, XXXX the house was built on tract 1 and tract 2 of lot 25 and only tract 1 is on the Security Deed withe the loan note. Tract 2 of lot 25 is not mentioned anywhere. The border line separating tract 1 from tract 2 goes through the master bedroom. I own the property in back of tract 1 and tract 2 of lot 25 and have paid the property taxes for the last 10 years and lot 2 is not mentioned.
Product: Debt collection

I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ). This entry, relating to an auto lease, is reported incorrectly in several areas and does not reflect my account status accurately. 

Details of Disputed Entry : Account Type : Auto Lease Date Opened : XX/XX/XXXX Reported Balance : {$26000.00} Account Status : Derogatory, marked as " Collection/Chargeoff '' Last Reported Date : XX/XX/XXXX Date Last Active : XX/XX/XXXX Comments : Charged off as bad debt ; Account information disputed by consumer, meets FCRA requirements
Product: Mortgage

Hello- I am filing a complaint against Wells Fargo online services. I live in NC and my mother lives in AL. I am the go to person for all of my mother 's accounts- whether it's banking, doctors, life insurance - I manage all of her finances. She has been missing payments a few times, but I always manager to help her get it paid- though she was making late payment too. My mother has XXXX 's - so sometimes she forgets to make payments. And that's where I come in at. So instead of trying to get to Wells Fargo bank, I tried to set up her account online to pay from my home for her. I attempted to go to Wells Fargo in NC ( near me ) to see if I can get this online service set up. They tried to help me but they could not get the issue resolved for me because Wells Fargo online services does not have a copy of my POA. I tried to get the issue resolved over the phone multiple times, but Wells Fargo customer service reps were very nasty. I was told they couldn't do anything for me because they don't have access to my POA. I've asked multiple times to fax it over to them. When I call they will not help me because they are saying they don't have my documents from Wells Fargo Mortgage. Wells Fargo Mortgage conferenced me in with them to let them know that my documents are with Wells Fargo Mortgage. But the online service staff still did not want to help because they couldn't see it on their system. This is ridiculous. I need to have access to the online service to pay my mother 's mortgage on time. I talked to at least 7 people in the online service IT dept. The 1st level, the 2nd level ( who was very nasty ) ... the next level hung up on me. Everyone that answered to this phone number, XXXX, I had issues with - over and over. I finally went to XXXX, AL to take my mother to the bank. One of the bankers named XXXX XXXX- was very helpful to try to get the account set up online. But again, I tried to get access and the system denied me from setting up the online account. Between the Wells Fargo bank in NC and the Wells Fargo bank in AL- neither of them could help me gain online access. But the IT people from the online service, probably could have helped but they keep saying they don't see any of my documents to grant me access. So, where do we go from here? I would really appreciate if I could get this resolved, so I can get online access to my mother 's account. I also have a mortgage account with Wells Fargo, but my main interest is getting online access for my mother 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, understand my rights as a federally protected consumer. 15 USC 1681 was created to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the definitions section of 15 USC 1681a, a 'consumer report ' is defined as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

In 15 USC 1681a ( d ) ( 2 ) it specifically outlines items that are supposed to be excluded from a consumer report. Under exclusions, 15 USC 1681a ( d ) ( 2 ) ( B ) it states : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The definition of 'credit ' in 15 USC 1681, is the same as the definition of credit under 15 1691 which means, 15 USC 1691 ( a ) ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.

Additionally, a credit card is defined as the same term from 15 USC 1602 which means : 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Therefore any extension, alleged extension, or approval of credit directly or indirectly by the issuer of a credit card or similar device should be excluded. 

The follow accounts are being reported in violation of the above mentioned statue : XXXX XXXX  XXXX 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 XXXXXXXX XXXX XXXXXXXX Additionally, XXXX5 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The credit reporting agencies do not have my written instructions to produce a report in my name in the first place. Without my written consent and instruction, the agencies are acting without permissible purpose. Also, using my social security information without my consent is a form of identity theft.
Product: Checking or savings account

I am writing to file a formal complaint regarding an unresolved fraud issue with Bank of America concerning my check payment to the XXXX XXXX XXXX XXXX. On XX/XX/year>, I mailed check number XXXX to the XXXX XXXX XXXX XXXX for my annual tax payment in the amount of {$7100.00}. 
On XX/XX/year>, I received a letter from the XXXX XXXX XXXX XXXX informing me that my payment had not been received. After investigating the matter. I discovered that the check I Issued had been altered by an individual named XXXX XXXX. The check was fraudulently changed, with their name replacing that of the intended payee, XXXX XXXX XXXX XXXX. 
Upon realizing the fraud, I immedlately contacted Bank of America to file a fraud claim. However, Bank of America denied my claim, citing that I did not report the fraud within 60 days of the transaction. The reason for the delay in reporting was that I was unaware of the fraud until XX/XX/year>, when the XXXX XXXX XXXX XXXX notified me of the non-payment. 
Given that the fraud was not detected until then, I was unable to file a claim within the XXXX l am requesting that the CFPB in this matter to ensure that Bank of America properly addresses this fraudulent activity and resolves my claim. 
I trust CFPB will assist in resolving this issue and ensure that Bank of America handles these fraud cases with the appropriate care and attention. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. I JUST TRIED SUBMITTING MY COMPLIANT BUT IT WAS CLOSED RIGHT AWAY FOR SOME ODD REASON.