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

I am writing to formally dispute inaccurate information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the accounts listed below are inaccurate or unverifiable and are causing harm to my credit profile. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card XXXX XXXX XXXX  According to the FCRA, credit reporting agencies are required to maintain accurate and verifiable records. I am requesting a thorough investigation into the accuracy of these accounts. If the information can not be verified, I kindly request that the accounts be deleted from my credit file in accordance with the FCRA.

Additionally, under 15 U.S.C. 1681o, a credit reporting agency may be held liable for negligence if it fails to uphold its duty to report accurate information. I trust that your agency will handle this matter with the utmost attention to avoid further complications. 

I have included copies of my identification, proof of address, and any relevant supporting documents to assist with your investigation. Please conduct your review and provide me with written confirmation of the results of your investigation. 

If these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report. Please respond within 30 days as required under the FCRA.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires and account in my credit report.please remove that. XXXX XXXX inquire date XX/XX/scrub> 2024 XXXX XXXX inquire date XX/XX/year>2024 XXXX XXXX  inquire date XXXX XXXX 2024
Product: Checking or savings account

TD Bank charged me {$100.00} in overdraft fees fraudulently in one day, on XXXX XXXX, 2018. What they say was my balance was not my balance at the time and I have documents to prove it. I contacted their customer service, they refused to reverse the charges.
Product: Credit card or prepaid card

American Express continue to harass me about making the minimum payment that is due XXXX XXXX for the amount of {$1200.00} dollars which most of that balance is pay overtime charges with interest charges and excessive interest fees. The entire balance of {>= $1,000,000} which was combined with 2 pay overtime direct balances, which is double billing with excessive late  fees charges and excessive increase interest rate charges when late fees are applied which causes the balances to increase. Also in XXXX my pay overtime account was inactive for almost 7 years, it appears when it was reactivated in XXXX they tried to change numbers around and adding the accelerated interest rate fees charges and accelerated interest charges on each monthly balances. This went on for years Im still going through my billing statements because I been a loyal member since XXXX I really never paid any attention to my statements, only if a saw a big problem therefore this situation was subtle and complex because you could not go on line and review your pay overtime balances which I always question. They changed my statements billing and pay overtime balances 3 times when I started asking about the billing of pay overtime and pay overtime direct in XXXX when they activated the pay overtime features on my statements. Right now there is a dispute for the billing amount of {$22000.00} but really the dispute should be on the entire amount of {>= $1,000,000} because that balance also includes excessive interest fees charges and excessive interest fee payment on the balances. I have paid my portion of the charges that I made last month which was {$700.00} and I made no charges for XX/XX/XXXX. Therefore they are still sending me text messages and calling me on my phone harassing me to make the {$1200.00} dollars minimum payment on the above balances. Also I notice that {$3100.00} dollars I paid on line in XX/XX/XXXX was not applied to my bill only the {$6900.00} in which my credit union paid off the entire bill therefore XXXX, XXXX and XX/XX/XXXX I paid a total of {$10000.00} that also included pay overtime balances excessive interest fees charges and excessive interest rates charges and I know I over paid. American Express owes me for the over payments balances of pay overtime and increase balances and increase interest rates with increase interest charges. {$11000.00} and maybe more
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ NEED INFORMATION REMOVED FROM MY PROFILE IM TRYING TO BUY A HOME SOON AND THIS DONT LOOK RIGHT. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

We shopped for a new second mortgage for our condo in XXXX through XXXX XXXX. We accepted an offer from Charter One and received the paperwork. Despite requesting a second mortgage, I was sent paperwork for a HELOC instead. Not intending to tap into the line of credit, we signed the documents. 

Later, as housing prices continued to plummet, our financial advisor recommended we complete a short sale. Unbeknownst to us, HELOCs do not go away in a short sale situation, so we were stuck with making an agreement with Charter One for the full amount of the HELOC value - they literally would not negotiate a lower rate one penny. We were advised to accept, and attempt to re-negotiate the amount at a later time. We completed the short sale of the condo in fall of XXXX. 

Three years later, after much failed negotiation, we settled on an amount to settle the debt. After three payments, we received a letter from the bank 's law firm, confirming satisfaction of the debt, showing the full amount paid. A few months later I checked our credit, and found Charter One had reported the loan as a " write off, '' meaning the debt was never paid. I filed a discrepancy with the credit bureau to correct the record. When the credit agency contacted Charter One to verify this change, they replied, " No, the write off is correct. '' This fraudulent record has caused serious damage to my credit score since its appearance on my record in XXXX. I wish to have this record removed from my credit, and if possible, punish Charter One for a fraudulent filing on my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, XXXX decided to deactivate my merchant service account because my transactions were too large and they didnt want to take the risk. Fine. I received an email that stated I would receive my account balance on XX/XX/2021. I have a {$1300.00} balance. Since then I have been attempting to transfer the funds to my bank account ( now two months later ) and the system errors out. Since my account is deactivated Im unable to receive any live support by phone or chat, and my emails go unanswered. Please help me get my money back. Im a small business and this hurts.
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 time on multiple platforms and reporting discrepancies, my financial institutions as well as Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report of today XXXX XX/XX/2019 my credit report is still showing as me owing XXXX XXXX and XXXX XXXX. However, when I took out a mortgage i had enough money left over to pay, a Bank Loan, and these 2 credit cards. I called up both of the credit card companies and paid off these loans over the phone. My bank statement clearly states that these amounts were taken by them on XXXX XX/XX/2019. On my credit report it says this was updated on XXXX 2019, therefore these amounts should show as 0 but they dont. The bank loan is showing that I overpaid by XXXX but at least they have cleared my bank loan from the credit report. 

I do not understand why it is still showing on there that i owe this money when it shows on my bank statement that they were both paid on XXXX XXXX. This could effect me getting future credit and also badly effect me when i come to go for another mortgage deal on my proper in a few years time. I am not holding out hope anytime soon that they will update this credit record. XXXX ( Now Credit Karma ) i was told was a very good credit rating website by a financial advisor - they are clearly not. I can not find anywhere on their web page a place where i can ask them whats going on and why they have not properly updated my credit rating and my credit report. I now only owe money on my mortgage. How can i get hold of the XXXX / Karma credit people and ask why this is not updated. There should be a contact us option like there is with other companies for situations like this as this has a massive impact on peoples chances of gaining credit / mortgages. I would not advise anyone to use this site at all.
Product: Checking or savings account

On the evening of XX/XX/year>, I received emails from Wells Fargo stating that my mobile deposit was being returned due to potential fraudulent activity and that my checking and savings accounts would be closed. I went to the local branch, located at XXXX XXXXXXXX XXXX XXXX, NY, the following day to inquire about what was going on with my account and the return of my deposit. While there, the teller called the corporate office and relayed to me that the image from my mobile deposit did not fully capture the accounting information from the bottom of my check. As a result of not capturing this information a hard hold was placed on my account. I brought the check with me and showed the teller the actual check that I attempted to mobile deposit. She shared with me that the corporate office was closing my account and that there was nothing she could do. 

I have been a customer of Wells Fargo for 23 years and have never had any issues relating to fraud and I presented them with the actual check to prove that there was nothing nefarious on my end. Further, the check that was presented was written from my TXXXX XXXX business account. There was no attempt to verify the authenticity of the check, they simply closed all my accounts with Wells Fargo. 

This was my primary account in which I ran all my personal finances through and was done during the beginning of the month when several deposits and payments were set to transpire. Two of my direct deposits were blocked and five bill payments were returned due to the hard hold on my account. Which has now caused these accounts to show delinquencies. 

In addition, the closing of my account in this manner tarnishes my financial reputation with the banking system and the companies in which payments were returned due to alleged insufficient funds. 

I received an official letter today, XX/XX/year>, stating that my account will be closed on XX/XX/year>, due to one or more checks deposited to or cashed against your account suspected to be altered. An additional letter was sent showing the image of the check with a portion of the account number not captured. I have completed mobile deposits for years, and anytime the the image is not clear I was asked to retake the picture. I am not certain why the image was received if the picture was not clear, but I am baffled with why Wells Fargo would close all my accounts after a 23 year relationship due to something that could be cleared up so easily.
Product: Money transfer, virtual currency, or money service

I received a text that the pin and password was changed to my cell phone account and within minutes I lost cell service. My PayPal account and Venmo were hacked and they made large purchases on XXXX and transferred balance on my Venmo to an unauthorized bank. I couldnt reach customer service at either because I dont have cell phone service
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and distress regarding XXXX XXXX 's mishandling of fraudulent charges, which has negatively impacted all three major credit bureaus : XXXX, XXXX, and Experian. Despite submitting a valid police report, a notarized letter, an FTC report, and my identity documents, XXXX has reinserted the erroneous account without providing any proof of my liability. This egregious violation is causing severe financial and personal harm. 

I respectfully request your immediate intervention to initiate a comprehensive investigation and ensure a fair resolution to alleviate the ongoing hardship. XXXX, XXXX, and Experian continue to claim the account has been verified, just XXXX days after I submitted a formal dispute. However, they have failed to provide any documentation, including the original signed consumer contract, which is required by federal law under 15 U.S.C. 1681. 

Moreover, XXXXXXXX XXXX has refused to adjust the balance and correct the inaccuracies in my credit report, asserting that I was using the card and making payments at the same time these fraudulent charges were being made. Unbeknownst to me, someone had gained access to my account information and was making unauthorized charges. Due to the relatively small size of these fraudulent transactions compared to my total balance, they were overlooked at the time. I firmly believe these charges are fraudulent, as evidenced by the police report I submitted.
Product: Debt collection

YOUR COMPLAINT This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 
Details of the accounts are as follows : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are questions concerning the validity of items on my credit report from World Finance. Therefore, validation of account ( s ) had been requested. However, the company has failed to respond to validation request within 30 days.
Product: Credit reporting

I am writing in response Legal Item XXXX because I do not believe I owe what you say I owe. This is the first I 've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Kindly also remove this item with immediate effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  account XXXX account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

i received your letter today ( XX/XX/XXXX and in emailing you too tell you that i have sent a letter to the court appeals judge and requesting papers to file a suit against bank of america for mortgage fraud. now you people and the bank of america has all the information and proof you need to send me back my {$14000.00} because the money is mine and not yours or the government. it came out off my XXXX XXXX money, mine, not yours or the government and when i get the forms ill send a copy of the check front and back. i was hoping it wouldnt have to go to court and we could settle it peaceable but youre calling me a liar and im not a liar. you have proof and i have proof. its a shame how people treat and disreapect their elders bhut thats your problem, not mine.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated ( XXXX ). Cash App Failed to help Me and refund my money or request as fraud leaving my account unprotected has XXXX That I Dont use keep taking money away from my account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On or XXXX XXXX I paid my entire loan off to {$0.00} balance but it has not been updated to Equifax.
Product: Student loan

I have recently leaned that some students can make retroactive payments on their Fed Loans. I contacted Fed Loan today and was told that I can not make retroactive payments from XX/XX/XXXX to XX/XX/XXXX because I was in deferent while in school. This is not true. I was never billed for the loan during their set up period. 

Fed Loan has had me in deferent or forbearance for two years and I had to file a School Related Deferment Waiver Form to come out of deferment for incorrectly being placed there while I was making payments. I was never allowed or afforded the opportunity to make retroactive payments from XX/XX/XXXX to XX/XX/XXXX and was never billed for this period. From XX/XX/XXXX to XX/XX/XXXX I made payments without being billed. 

Then my loan was transferred to XXXX then some other company, then Pheaa, then Department of Education then XXXX then Fed Loan. This all occurred from XXXX to XXXX. During this time, I was in school and making payments since XX/XX/XXXX. My loan was not payable until around XX/XX/XXXX ( as per the Direct Loan letter ) when I was sent to XXXX XXXX. 

In XXXX I asked to make payments but was told that the program was not set up and payments will be sent back to me. In XXXX a financial person on TV said to make the payments ASAP. I called XXXX XXXX  ( Fed Loan affiliate ) at the time and was told how much my payments were, but no payments were due, and no bills were sent out. I still made the payments by what Fed Loan told me over the phone. 


Please review my paperwork. I had the same XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and I transferred to another XXXX XXXX XXXX. I work for the XXXX XXXX XXXX 

I would like the opportunity to make these retroactive payments from XX/XX/XXXX to XX/XX/XXXX. Thank you for your time and consideration in this matter.
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

CITI CARDS CBNA XX/XX/XXXX  XXXX XXXX XXXX XXXX  I disputed them with the creditors and credit bureau but they remain on my credit report!
Product: Credit reporting or other personal consumer reports

XXXX is not doing their job in regards to investigations : XXXX XXXX XXXX  30 Day Late XXXX XXXX. Personal Information That's Reported Fraudulent 1c. Removal Of Fraud Statement On Credit Report.. 

XXXX ' Own Company Website Reports Correct.. 
Payment On XXXX
Product: Student loan

I refuse to pay 50 % on a student loan Ive paid 10 x over. I hav e no problem owing what I owe for school which has probably been paid 10 x over : I had my loan way down. I started making goodi have no problem. I will not pay 50 % this is worse than the title stores. Can someone please help.