23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wells Fargo has not sent notice claiming I owe an amount of {$190.00} for closed account number XXXX. I was referred to account recovery dept without receiving any notice I owe this amount, account recovery was explained the debt is due to a credit reversal in amount of {$290.00} including two funds transfers in amount of {$50.00} bringing the amount to {$190.00}. I was advised to reach out to the merchant whom charge in amount of {$290.00} originated from, in which case, the merchant will not refund as they claim the item ordered was delivered correctly... The item was shipped via XXXX, driver has a habit of forging signature and leaving package where it can be lost/stolen as is the case with this transaction. Previously, driver signed for a package as " XXXX XXXX '', complaint filed in re, driver chose to sign for XXXX package as " XXXX XXXX '' due to complaint filed.. The package is nowhere to be found, disputed with Wells Fargo whom placed a temporary credit on account while researched, credit later reversed citing signature which is forged.. I never sign my name as " XXXX XXXX '' and it is not on file as such with Wells Fargo.. I will reiterate as I have before, I do not pay for items not received nor will I ever
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to report a creditor, i have provided information to Experian as well as the control number provided to me by the creditor, they have refused to update my report with not only accurate information but also in a timely manner, i reached out to Experian provided information told me it would be updated in 7 days they still continued to no update or include the account, made me feel they were XXXX  me, i would like this matter to be investigated and not for Experian to provide me with a email but a stats update as to why when and the resolution process I have been trying to get this information updated since XXXX
Product: Credit card or prepaid card

XXXX  XXXX is attempting to charge interest on top of interest. This began within approximately one month after XXXX XXXX extended me credit & opened an account on my behalf. My first statement was dated XX/XX/2018. I have paid off in full each month the purchases accrued. I believe XXXX XXXX uses overly aggressive if not Illegal calculations which don't consider, for one thing 1 ) credit when an item is returned and that transaction overlaps 2 statement periods..There are i am sure other overly aggressive tactics employed by XXXX XXXX in the name of tacking on interest. 

I have called them each time I received a new statement which showed interest and explained and provided proof that full balances were paid timely & asked that the situation be permanently corrected, to no avail. 

I request all interest ever charged be removed and/or credited back to my account
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 recent CFPB lawsuit highlighting significant issues with my 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 CFPBS findings indicate that zelle has not 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 consumers safety
Product: Mortgage

XXXX XXXX XXXX XXXX was the Broker on this refinance. United Wholesale Mortgage was the lender. The lender failed to submit corrected documents to be signed and failed to submit the amount that was promised in my escrow account. This caused me to be short XXXX. I was to skip my XXXX and XXXX payments for 2019. I was to receive {$8000.00} from my escrow account. The updated documents would have prevented all of this confusion. The Broker asked for these items but the lender failed to provide them. XXXX XXXX XXXX  XXXX XXXX and the FDIC both agree that this situation was caused by the lender.
Product: Debt collection

Upon reviewing my credit report I found an account I do not know of Company : The bureaus Amount : XXXX
Product: Credit reporting or other personal consumer reports

All the amounts and dates are incorrect, there are lots of errors and inaccuracies.
Product: Credit card or prepaid card

I filed a CFPB complaint against Grain a few weeks ago, the company has now restricted access to my account. I was able to log in to my account 3 days ago. I can not log in to close my account and receive a refund of my deposit. This company has retaliated against a consumer for filing a complaint after several attempts through email to fix the issues with my account.
Product: Mortgage

XX/XX/XXXX my home was in hurricane Michael. After my insurance company came out they deemed my home a total loss. I received my checks from my insurance company y and overnighted them to payoff my 1st and 2nd mortgage with Ditech Financial. They received my checks on XX/XX/XXXX. I was informed by the company that they hold the checks for 10 to 16 business days! I am trying to close on a new home on XX/XX/XXXX. And I have called Ditech several times to see what is the hold up on paying off my loans. 

I have called Ditech and talked to 3 different managers in the claims department, and today XX/XX/XXXX. I was told that they put my checks to the " front of the line '' and when the payoff department gets them, it can take 3-6 business days to process them! I explained to them in great detail that they are delaying me to get my closing on my new home. 

Now I asked for Ditech to email me a letter stating that they have my checks since XX/XX/XXXX, and to explain to my new mortgage company, XXXX XXXX what Ditechs process to show for the FHA financing I am getting that the mortgage will be paid in full. 

I was then told that to get this letter can take several days! When does this end! Basically they are holding my checks for almost or near a month! 

I have attached the letter they wanted me to write, copies of the checks, and the XXXX XXXX  label and the acknowledgement that when Ditech received my checks
Product: Credit reporting or other personal consumer reports

Subject : Violation of Timely Response Requirements Under FCRA and CFPB Standards Request for Deletion of Accounts Dear CFPB, I am writing in regards to the handling of my complaint, filed on XX/XX/2024, concerning inaccurate credit reporting by XXXX XXXX XXXX. Both the companys and CFPBs responses reflect violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) 's complaint handling guidelines.

1. Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a credit reporting agency ( CRA ) must investigate a dispute and report the results within 30 days of receiving the complaint. Extensions to 45 days are permissible only if additional information is provided by the consumer during the investigation. 
My dispute was submitted on XX/XX/2024, and as of XX/XX/2024, I have only been informed that the company is still working on my issue. This exceeds the 30-day period stipulated by the FCRA, making the company non-compliant with its obligation to promptly resolve or provide the results of the investigation. 
2. CFPB Complaint Handling Process Violations The CFPBs policy requires companies to respond to complaints within 15 days. The companys response, as of XX/XX/2024, simply indicates that they are still working on the issue, with no final resolution. 
Allowing an additional 60-day period for a final response, as indicated by the CFPB, contradicts both the CFPBs timeframes for handling disputes and the FCRAs 30-day maximum timeline.

3. Request for Immediate Action Account Deletion, Not Closure In addition to the violations listed above, I am demanding the deletion of the inaccurate accounts from my credit report, not merely the closure of these accounts. It seems that XXXX has closed the account after my demand to have it deleted. Closing accounts, especially when they were never valid or authorized, does not fully resolve the damage caused. Deletion is necessary to ensure these incorrect records are permanently removed from my credit history. 

Summary of Requests : Immediate Conclusion of the Investigation : I request the company be directed to complete the investigation without further delay and provide a final response in compliance with the FCRAs 30-day requirement. 
Permanent Deletion of Accounts : I demand the complete deletion of the disputed accounts, not just closure, to fully resolve the inaccuracies. 
Response Within 5 Days : I require these actions to be completed within 5 days from the date of this communication to avoid further escalation. 
Escalation of My Complaint : The CFPB should enforce compliance with its own policies and federal law to prevent further delays. 
Thank you for your immediate attention to this matter. I expect the deletion of the inaccurate accounts and a final resolution within 5 days. 

Sincerely, XXXX XXXX
Product: Student loan

I need to update my payment due date. According to Nelnet website, we can do this by " contacting us. '' The two ways to contact Nelnet are by phone call or by website email. I attempted to call, but the wait time for the call center on a Tuesday morning ( XX/XX/XXXX around XXXX XXXX ) is over 20 minutes. Their call service does not offer a call-back option. This is my complaint number 1. It should be essential for the call center to offer call back option. This technology exists, and it must be instilled so that customers can enter a call que and not waste time on " hold '' for 20+ minutes. 
Secondly, I emailed the company and requested to have my due date adjusted. This request was sent into their business during the month of XXXX, XXXX. It is now the end of XXXX, XXXX and I have not received a response. I have a payment due in the next 14 days. It is unacceptable to not accommodate a payment due date request, if I am not receiving my paychecks at the current due date. This should have been easy to resolve in the user account online, yet this company requires this process to be done by " contacting us. '' And now they won't reply to my contact, and make it impossible to speak to them on the phone within a reasonable amount of time. my previous student loan account company was significantly more user friendly. Nelnet us the opposite of consumer friendly.
Product: Debt collection

I have an account on collection who belong to my ex-husband and now I am getting phone calls from collection agency who ask me to paid a debt that does n't belong to me and treated me on the phone. I want this calls to be send to the correct borrower my ex and not me.
Product: Checking or savings account

on Monday XX/XX/2018 I call my bank and put a stop payment on check # XXXX for {$2800.00} to XXXX XXXX the stop payment successful and money was return to my acct. on XX/XX/2018 XXXX XXXX was able to walk into the Chase bank and cash check # XXXX the XXXX was withdraw from my checking acct at the branch in XXXX XXXX .mi the bank had withdraw {$30.00} fee. now that tell me they are sorry but there is nothing they can do and credit my acct {$30.00} fee there is nothing they can do fore me that I need to take it up with the branch.i have a clams number that I file # XXXX clams dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX
Product: Credit reporting

it says that AmeriCredit ran a report on XXXX/XXXX/15 I do not know how this happened I never said that this could happen the only report that should of been runned that day is for XXXX XXXX XXXX XXXX, VT. 
What can we do to fix this problem. 

XXXX XXXX XXXX
Product: Debt collection

I disputed the debt with ARS ACCOUNT RESOLUTION XXXX. They are still reporting it on my account. I have never received validation of the debt according to the Fair Debt Collection Practices Act. ARS ACCOUNT RESOLUTION is a debt collector. They are not a creditor and have never lent me any money. They are trying to extort me by reporting an account on my CREDIT report as if they are a creditor. They are not a creditor and have no license to provide credit to anyone. They are damaging my credit score and not permitting me to buy a home without having to buy my rate due to my low credit score. They need to delete the negative tradeline on my account.
Product: Credit reporting or other personal consumer reports

More than XXXX issue. The information on my credit was merged with someone elses because our social security numbers differ by XXXX digit. I got his bad credit on my credit and it affected myself and family greatly. Had to call and report items for over a year and it was finally removed all of the items but my credit is bad still due to this even after a year or XXXX. 

The other issue is I have disputed a lot of other items on my credit as well and they are not removed. Along with negative items that were not removed and stayed on for longer than allowed. Which affected me in getting another vehicle.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, i entered into an agreement with XXXX XXXX XXXX account. I spoke with XXXX. I agreed to pay my collection in full, ONLY if they were willing to contact the reporting agencies Immediately and report if Paid and Closed. Both agreed and paid in full, confirmation # XXXX. I now can not move forward with the purchase of my home due to their neglect to hold up their end of the agreement. I called several times today, only to be told, it takes 21 to 30 days. I asked to speak to a manager. Then i asked again for a manager or district manager, and was transfered to a District Manager, and was on hold over 30 minutes. After tiring, i hung up and called back. Then was told there was no such thing as District Manager. They have now lied to me once again. They state our conversations are on a recorded line. I request those transcript  be obtained if needed. I have Verbal Authorization on my XXXX XXXX acct to disclose any information to the credit reporting bureaus, which only is valid for 24 hrs and the bureaus told XXXX XXXX to call them. So, i am being told back and forth. Each saying the other should call them. I ask they just hold up their end of the agreement please. I can not wait 21 to 30 days. Our agreement was immediately. thank you
Product: Debt collection

XXXX contacted me saying I owed them money on a delivery. I said I paid for an item, and paid the seller for all shipping costs. If he still owed money they should NOT have shipped the item. Whenever I ship  something on XXXX, I pay in advance before they ship. I said it sounded suspect that they are coming back to me for more money, when this has never happened before. 

Regardless eventually I said I would pay the {$36.00} ( because they kept mailing invoices ) and it was a trivial amount, only if I could pay online, and if they could tell me how. I tried countless times and it never worked, I called them 3 times and they said they didn't know how either. 

Eventually it went to debt collection, but there was NO WAY for me to pay, and I said I would not write them a check and mail it as it costs additional money, which I shouldn't even owe in the first place. I then got a notice from Transwold Systems which I am disputing. 

Company : XXXX XXXX XXXX : Transworld Systems Inc.
Product: Money transfer, virtual currency, or money service

I sent XXXX friends in XXXX ( hurricane victims who lost food shelter ) {$300.00} and {$200.00} on XX/XX/XXXX through Skrill. I funded the Skrill Account then sent the money. The first transaction went through {$300.00} but the next one {$200.00} failed and my account was restricted and neither recipient received the money. I called and emailed Skrill and received no help. Skrill is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report, there is a collections item from Grant & Weber, which is a collections agency from a doctor 's office by the name of XXXX XXXX. I have never seen this doctor, and have no idea what this is for. Both the collection agency and doctor 's office are unresponsive to my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, my information has been compromise in equifax data breaches, public records has been place in my name, I have try to resolve this, but information keep posting in my credit. An FTC complaint has been attached to this request, please block this information from my credit file.
Product: Debt collection

CAINE & WEINER COMPANY you have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a )
Product: Money transfer, virtual currency, or money service

Hi, I would like XXXX XXXX XXXX/Compliance officers to review the attached money laundering typography and ensure that the money laundering receiver XXXX XXXX XXXX XXXX is banned from using the Western Union network because she is dealing in the proceeds of a criminal human trafficking enterprise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian today XX/XX/18 regarding the updates via email regarding my disputes regarding accounts reporting on CBR that reflect SCRA the 1st rep XXXX I spoke with advised 14 accounts had been removed from my CBR and she would send me an updated report reflecting the disputes that had been removed when she transferred me to the disputes department the rep I spoke with XXXX she advised her team she is with is in the XXXX XXXX XXXX and is also part of the XXXX XXXX. I advised to her what the previous rep advised and that was not the fact these accounts hadn't been removed and I advised her this situation has been very stressful and a little history of not getting adequte assistance on the disputes submitted and they are holding the creditors accountanble for the information the are report to the CBR I advised I've had to dispute these account several times and there still not doing DUE DILIGENCE on these accounts. I asked her if she was aware of the federal law SCRA she advised no. My question was for her working with the CBR and personal information that the CBR is to monitor the accounts to verify the creditors properly reporting our information. Also when I asked her this question she became rude. I asked who would I file a complaint with she advised CFPB due to there only a 3rd party reporting agency but also pushing blame of the issue at hand that there not holding themselves accountable for people 's credit accounts. I asked ot speak to a superisor she advised would have her boss XXXX call me on Monday I advised I would rather hold due to I've already been on the phone over 50 mins by then she advised that I refused a call back that she would disconnect the call very rude no tac or understanding of the matter at hand. I then called back and spoke to XXXX in the fraud department this rep took the time to listen and grasp the situation she as well didnt understand SCRA that effects Serviemembers daily. Dealing with mental anguish, stress, XXXX that this continues to be a vicious cycle that is not being handle properly when contacting the creditors.To validate removal of accounts that were not maintain by the creditors the bureaus.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER 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 XXXX XXXX XXXX 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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.