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

XXXX XXXX HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for XXXX XXXX HELOC. This account was also verified with Equifax Mortgage Service and me on the phone and XXXX XXXX stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX XXXX XXXX added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late payment fee. I have been working with XXXX XXXX HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and XXXX XXXX is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. XXXX XXXX is one on the worst organizations I have dealt with.
Product: Vehicle loan or lease

At the start of the year me and my girlfriend got a car from a used lot. It was our first car purchase ever. Unfortunately we were lead to the XXXX  that they claimed was a steal for the price. It was listed at {$34000.00} but after it was said and done it ended up at {$42000.00}. The only issue is when we were running our credits I had none and my girlfriend had a score in the 500s, we shouldnt have been able to get that car. I made {$2800.00} a month and my girlfriend wasnt working. After paying my monthly payment, gas, insurance, rent, and food. We were almost negative monthly. It clicked to me that during the credit runs XXXX XXXX from XXXX XXXX XXXX, told us he told the lenders we made {$4000.00} each a month. This didnt click to me as a bad thing cause I got my dream car. Now Im {$15000.00} in debt to a company that the salesman lied to. Global Lending LLC, they are the lenders we owe. We dont blame them as our salesman lied, he may try blaming us but we showed him our bank accounts and money flow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fails to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlights systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in : a similar manner.
Product: Mortgage

I was working with XXXX XXXX way before he came to Envoy Mortgage Company in fact I think he had switched jobs twice before landing at Envoy. XXXX XXXX in XXXX XXXX and then XXXX XXXX in XXXX XXXX. When he landed his job at Envoy he was determined to help me get a refinance loan. He worked very hard and then just gave up on me, we miscommunicated with phone calls and documentation, he kept saying due to my not getting documents in time over to him but in reality I think he kept them on his desk and let them set, not once but three times did I have to give him documents that he already had. I finally gave up on him in on XXXX XXXX, XXXX and asked for all my paper work back, his last email sent to me was dated XXXX XXXX stating he returned my documents, I 'm still waiting for those documents. I have sent him several emails and no response. His information : XXXX XXXX XXXX : XXXX XXXX # XXXX Envoy Mtg. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OH XXXX. Cell phone # XXXX, XXXX # XXXX and Fax XXXX. 

It should not take over three months to get a loan. He started Envoy around XX/XX/XXXX and yet I 'm still waiting for documentation. I 've called several times, emiled countless of times and yet no response. I want my paperwork back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had my password connected to my checking account compromised. After a complete investigation from KeyBank, it was found that there was fraudulent activity on my account. I was returned the money that was taken from my account. And then KeyBank let me go as a customer.

As recently as six months ago, I discovered that KeyBank has been reporting me as committing fraud. I did not commit fraud. KeyBank found that there was fraud through their investigation returned the money that was taken and discontinued our relationship. I have filed three complaints. No solution on key banks behalf. I disputed the information. KeyBank reported it as accurate and correct information and decided that they were going to leave it on my credit report. This has damaged me severely. I am unable to open another account. XXXX XXXX XXXX is the consumer reporting agency that has reported to XXXX XXXX that I am a fraud. XXXX XXXX has my account on freeze.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Dear XXXX XXXX XXXX, I am writing to dispute the recent collection activity on my account, referenced by XXXX I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter. 

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt. 

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts. 

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies. 

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, KuponoMatsumoto Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has 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 an account without my written instructions 15 U.S.C 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

XXXX XXXX Wells Fargo XXXX XXXX Claim Number XXXX Checking number ending in XXXX Debit ending XXXX Initial ATM issue XXXX XXXX  XX/XX/XXXX * I went to the atm as I have to frequently do to pay my babysitter. I was distracted and drove away before the ATM dispensed my money. 

Incident Reported to XXXX and Fraud case Open XX/XX/XXXX * I called to see if I could report this and was told yes. That the ATM machine should have taken it back in Provisional Credit XXXX XXXX Call to understand why it was determined my money wouldn't be returned and to ask for documentation XX/XX/XXXX ( note : no document EVER received ) *Received a letter in the mail telling me there was no ATM fault. This made no sense. I didn't say it was an ATM fault. I said I left the money and the ATM should either be over {$200.00} that day OR someone took my money. I called to explain this and was told I was asking for documentation. I never received any documentation explaining this to me. I was actually told this letter is just a form letter and the ACTUAL reason I wasn't being refunded is because the ATM wasn't over - meaning someone took my money. WHY wouldn't you tell me that so I can file a police report - I'll tell you why, you don't want to have to give me that money back. 

Provisional Credit deducted XXXX XXXX Call to understand if I have other options and told to call a different dept mon to fri XX/XX/XXXX *This person told me my claim was filed incorrectly and that he had seen this before. He gave me a number to call during the week. 

XXXX Call to one department who then transferred- this person tells me someone took my money and to go to the bank if I want a video to file a police report XX/XX/XXXX *Called the initial department given on Saturday, had to be transferred. This person advised I have to go to the bank to get a video clip so I made an appt at the bank the following day. 
Bank visit and then banker call to XXXX- this is when I was told I have to go to the police first XX/XX/XXXX *the banker had no idea what this process was. She was on the phone for XXXX min trying to figure it out. Only to be told that I have to bring in a police report first. 


In summary, I'm a XXXX year customer who made a mistake. It is clear to me that this company has no well documented, well circulated or well trained policy on ATM claims. The fact that not a single person I interacted with gave me the same information is appalling. The fact that you would make it SO insanely difficult to get footage to file a police report is reprehrensible. This company has committed known customer-based fraud in the past and I'm sure that's what's happening here. The compliance violations, even internally, have to be insane. I do plan to report this same information to the CFPB and OCC.

Literally, all I wanted you to do was the right thing. I made a mistake. The ATM should have taken my money back, which I still have no proof even happened, OR, you should support me in filing a police report. EIther way, you could have given me back the money. it was {$200.00}. and now all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the erroneous accounts in my credit file ; however there are still many accounts that need to be corrected and updated. 

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: Debt collection

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. Disputed Information : 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 The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. A written explanation of the actions you have taken to resolve this issue. Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX Account Name : DEPTEDNELNET Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

To whom this may concern l XXXX XXXX have items on my report that are a result of identity theft per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file that the customer identifies as information that resulted from the alleged identity theft, not later than 4 business days after date of receipt. It has been over 30 days these companies are in VIOLATION of this law because I am a victim of identity theftXXXX 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 These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 and XX/XX/2022 there was 2 unauthorized transaction on my Wells Fargo bank account in the total amount of {$22000.00}. I noticed this and called Wells Fargo to file a claim. I waited 2 weeks and was called by a agent saying my claimed was denied. She called and asked me questions about transactions from 1 year ago and I tried my best to remember but I dont. She then accused me of being a liar for not remembering. This was all on a recorded line as well. She asked me questions about transactions that had nothing to do with the claim or fraudulent transaction that I was calling in about. Now I lost all my money in my Wells Fargo account and they told me to contact the merchant. How do I contact the merchant if they dont even have a real company name and its just a bunch of numbers? I never made this transaction, why is it my job to contact the merchant. Im frustrated and confused right now. I thought my money was safe with Wells Fargo but instead they tried to manipulate the situation by asking me unrelated questions and making it seem like Im a liar when the questions are from 1 year ago.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles approach to dispute resolution, particularly in light of the recent CFPB lawsuit that highlights significant shortcomings in the platform. Despite having used Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering lost funds and tracking the transactions was not possible. According to the CFPBs findings, Zelle has failed to safeguard consumers and has allowed repeat offenders to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is deeply troubling.
Product: Credit card or prepaid card

I opened this card in or around XX/XX/XXXX. I paid the balance off in full in XX/XX/XXXX. In XXXX I received a statement with {$17.00} interest charges. I called and spoke to a customer service rep and was told it was residual interest and the fee would be waived. I moved in XXXX and never heard anything since until last Friday when I got a notification my credit score dropped over XXXX points. Which is a huge impact to my financial situation as I am applying for a business loan. 

I never received any statements other then the one in XXXX. It appears that the fee did not get waived which caused late fees and more interest charges and then reported to the credit bureau for all these months. 

I placed a phone call immediately last Friday and spoke with XXXX a manager that promised me a call back before her shift ended at XXXX XXXX  that day. She advised this needed to be escalated to a unit manager. 

I never heard anything back. On Monday I called and spoke with XXXX and was told it was under review and her supervisor would give me a call back. Still havent received any call. 

Im hoping this issue can be resolved. As a {$17.00} fee could of been paid and resolved but instead I was mislead, or the representative didnt do her job.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX I have filed a complaint before an they are still saying I have delinquent credit card balance and I dont I dont understand why they keep lowering my score when I have excellent pay history but it states on my report I just looked at credit card delinquent can u please resolve this for me U raise my grandchildren after my daughter passed away an trying to but. Home I cant with these reports Transunion is lowering my score an I have excellent pay I dont understand how they can do this they ruin people Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts : XXXX XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit card or prepaid card

I joined Amazon XXXX in XXXX and then acquired an Amazon XXXX Visa card because of the advertised reward program that gives one 5 % on purchases from XXXX XXXX and Amazon.com. When I noticed that I was not receiving the 5 % benefit at XXXX XXXX and Amazon.com I called Chase Visa in early XXXX. I was informed that because I did not use the Visa card to pay for the Amazon XXXX membership, I was not eligible for said benefit. The representative assured me that when I renew the next time I would definitely start receiving the benefits that I had expected from the beginning. On XX/XX/XXXX I made sure that my Amazon membership was paid by the Chase Amazon Visa credit card. After noticing that I was still not receiving benefits in early XXXX, I asked about the missing benefit and the representative could not give me an answer as to why these benefits were not applied to my account. I finally waited on the phone for some kind of supervisor on XX/XX/XXXX. She assured me, once again, that my card was eligible for the 5 % benefit at XXXX XXXX and at Amazon.com, as was promised since XXXX, and that we were going to see an adjustment in my account within 7 to 10 business days. The following day we received a letter simply stating that they can't do so with my credit card as requested. I never asked to switch anything and every step of the way, I was repeatedly told that my card was eligible for these benefits. No one ever said anything about opening a different account or card. The letter had no explanation whatsoever. We never had a lapse in service or did we ever pause our membership.
Product: Debt collection

There is an collections account on credit report from XXXX XXXX in the amount of {$2600.00} On XX/XX/2018, they signed for a certified letter disputing the item. They updated credit bureau 's with information that the account was disputed, but failed validate the account as required in the Fair Debt Collection Practices and Fair Credit Reporting Act.