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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




US BKPT CT NJ XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the XXXX XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX  balance due indicated. 

My  Fed Loan Servicing account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from Fed Loan Servicing. It is being reported that my account is 120+ days late in XXXX ( XXXX  ), after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by XXXX XXXX & XXXX that my account is 120+ days late in XX/XX/XXXX. The XXXX  status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Fed Stu Loan XXXX XXXX XXXX XXXX XXXX  Unit XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt 0 w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my XXXX XXXX & XXXX  ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is pathetic to say the least. Ive had a XXXX XXXX XXXXXXXX closed account report inaccuracies all across the board. One of the main issues is they are consistently changing the first date of delinquency and last date of delinquency. Every time I dispute, XXXX XXXXXXXX XXXX changes those dates to their liking. Causing this account to stay on my report longer. This account should have been removed last year in XXXX of 2020. 


XXXX and XXXX took notice to this unethical behavior and have now deleted this account. Equifax is the only bureau that wont do their job ethically.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Wells Fargo received a Cease and Deist by certified mail. Attached is the proof of delivery, cease and desist and invoice. Wells Fargo is to cease and desist all forms of communication with me through all mediums. A consumer report is in fact a medium. And by reporting the account it is a indirect communication. By not deleting my account from all credit reports, Wells Fargo is in direct violation of my Cease and Desist.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. Zelle informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPS 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 shows lack of accountability and transparency is unacceptable and raises serous concerns about consumer privacy and protection.
Product: Checking or savings account

Capital one closed my account due to fraudulent behavior in my acct. Someone who claimed to fix credit has used my credentials
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed.. thanks hard inquiry - 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: Mortgage

Due to a job loss, I reached out to Wells Fargo and asked for information on their Covid-19 mortgage relief program. To clarify, I only asked for information on the program. The representative on the phone stated that an information packet would be mailed to me. About a week later, a letter arrived from Wells Fargo stating that they are " confirming short term payment relief for the account. '' This was not what I had requested. In addition, the letter states " We won't report this account to consumer reporting agencies. '' It has now come to light that Wells Fargo has put a forbearance on the mortgage, preventing any ability to refinance. I am current on my mortgage payments and did not want to be part of their relief program, but now I have a forbearance blemish on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1971 SSN : XXXX PH : XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX  My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX thru XX/XX/2022 ; I spent time applying for a personal line of credit. I applied by email. The representative never applied my information towards the proper process. It appears that he never applied for the personal line of credit. 
I was never given disclosures, nor did I sign any documents in reference to applying. I was not given anything official. I do not know what they were really doing with my information. I was asked to provide information on my start up company although I was not applying for a business line. 

The bank ran my business credit ; However, I still do not know what they were doing. 
I contacted the bank several times and spoke to different people XXXX of whom asked me questions that were completely irrelevant to the personal line of credit. She was just gathering irrelevant information I questioned the representative on why she needed that information. I was disregarded. XXXX XXXX has decided to disregarded me entirely. 

They refuse to provide me with a denial letter or reason for anything or any actual documentation for anything.
Product: Debt collection

Since XXXX XXXX XXXX XXXX partner with Mitchell Rubenstein & Associates P. C. have been summonsing me to court for the same debt. I acknowledge the debt was owe to XXXX XXXX but after financial hardship, I could no longer make payments and after going for months without paying the debt I found out it was sold and bought by both parties listed above. I do not owe a debt to either parties listed above and If I did, they never listed the actual amount for which the debt was purchased ( the price less paid ) .I recently filed a complaint against XXXX XXXX but I feel as though XXXX XXXX XXXX XXXX continues to harass and embezzled money from me by claiming I owe the same amount every few months and charging interest and late fee every time I am summons to court. I have been to court a couple of time for the same case which has approximately 6 case number ( but it is the same debt ). My income is being garnished and so far {$800.00} plus has been paid toward a debt I allegedly owe to the party listed. The first time I went to court my bank account was frozen and my only income was child support. The judge order a release or the freeze of the account. I was also led to believe that the debt would have been paid in full by the end of XX/XX/XXXX. The second time I appeared in court, no one from the parties listed appeared, but yet I am charge court fees and interest. My debt ratio is approximately 6 times my income. I should not be financial bullied to pay an amount that double in interest and fees resulting in the parties listed collecting double the amount allegedly owed. My pay is being garnished, but I am being summons to court approximately every 7 to 8 months for the exact same debt.
Product: Credit card or prepaid card

In  XXXX     2017,  I requested that  American Express  issue my girlfriend an additional American Express Platinum card so that she would be an authorized user on my account. My girlfriend was issued an American Express Platinum card on my account in    XXXX     2017,   but the account was never a joint account and she never agreed to be liable for any charges on my primary account. My girlfriend also never incurred any charges using the newly issued card. Nevertheless, in  XXXX   2017, we le arned that  American Express has reported to the credit bureaus that my girlfriend had an open account with American Express and that her account had a sizeable outstanding bal ance, which balance was actually the balance that I owed on my primary card account. My girlfriend had no legal responsibility  whatsoever for the account balance reported by American Express to the credit bureaus on my girlfriend 's credit report. This inaccurate credit bureau reporting materially and adversely impacted my girlfriend 's credit score. Further, when American Express was notified of the error, they indicated that it would take over 3 weeks to correct the error to my girlfriend 's credit report. In my view, this should be a clear violation of the Fair Credit Reporting Act or, at a minimum, be deemed an Unfair, Deceptive or Abusive Act or Practice and American Express  should be required to correct such errors immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a dispute in XXXX and I still have not heard back from the credit Bureau. The same thing has happened in XXXX, XXXX, and XXXX. Please take a note on why my disputes are not being address, I feel there is a bias towards my file. At the very least I would get a letter with the out come of the investigation but this year has been a total disregard for certain people.
Product: Checking or savings account

ATM FRAUDULENT TRANSACTIONS XX/XX/21 XXXX XXXX  email notice to me from Wells Fargo reporting unusual activity on my ATM card and asking to contact them asap if charges were not legitimate. I I immediately logged into my Wells Fargo account and found, in Pending Charges, fraudulent withdrawals for {$1000.00}, {$500.00}, {$1000.00} and a fraudulent DEPOSIT of {$1000.00}. I reviewed these with XXXX during my first call to Claim Center. ( Subsequently, they have left on my account a fraudulent withdrawal of {$1000.00} and {$500.00}, as the fraudulent DEPOSIT cancelled the fraudulent withdrawal of {$1000.00}. I can no longer view the pending charges on my account as the two charges have been moved to approved. However, the final letter refers to all 4 transactions of {$2500.00} ) XX/XX/21 XXXX XXXX  email received that they had opened a claim because I had called right away to deny I made the transactions. I have spoken to 3 people at their claim center, XXXX, XXXX and XXXX. 
XX/XX/21 email received stating investigation was closed. Fraudulent charges are still included in my bank balance. 
XX/XX/21 I filed a police report DC # XXXX, with Officer XXXX of 3rd Precinct, XXXX County. I provided Officer XXXX with a list of all my ATM activity in XXXX and XXXX. There were only 2 retail, all others at Wells Fargo ATM. I also provided a photo of the location of the fraudulent withdrawal, and a photo of the ATM machine there, which is located inside the WF branch office. 
XX/XX/21 received a letter from Wells Fargo Claims Assistance saying I had made the transactions, which I did not. 
XX/XX/21 I filled a complaint with Pennsylvania Office of Attorney General. 

I have multiple accounts with Wells Fargo, all with healthy balances and there is no reason to suspect I would contest a legitimate withdrawal. In all the years of my checking account with WF ( 20-30 years during which the bank changed names multiple times ) I have never withdrawn more than {$300.00} cash. Why would they notify me of unusual transactions, then refuse to remove fraudulent charges?
Product: Bank account or service

I 've been dealing with major overdraft charges every month from my bank and I. Any understand that every month my account is almost XXXX in the negative every month. For the last two to three years my account has never been possible longer than 2 months without occupying late fees and overdraft charges. I 've spoken to the bank reps and I 've visited my local branch.im reaching out to cfpb to see if they can dig deeper into the account and help me to start saving my money instead of just giving it away freely back to the bank.TD bank is one of the worse banks I have ever dealt with and I 'm ready to just close all my accounts and put my money in a credit union.
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 me and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers 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 card

CFPB remember, you job is to serve the people, not the banks! 

XX/XX/year> I wrote to XXXX XXXX XXXX telling them that I'm OPTING OUT of them sharing my information. They ignored the letter. They are in violation of : 15 USC 6801, 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ), 15 USC 1681a ( 2 ) ( A ) ( i ), 16 CFR 313.10 ( a ) ( 1 ) ( ii ), 16 CFR 313.10 ( b ) ( 1 ) ( 2 ) 16 CFR Appendix A to part 660 ( VOLUNTARY ). 

THEY HAVE DEFAMED THE NAME, WHICH I DID NOT GIVE THEM PERMISSION TO USE THE COPYRIGHTED NAME XXXX XXXX. 

In XXXXXXXX XXXX XXXX I wrote a letter to XXXX XXXX, the CFO, requesting a true authenticated record of accounting, nope didn't get one! 

Who is the CreditoXXXX? 

Has TD Bank made profits from this account with the initial application by hypothecation and is continuing to profit? 15 USC 45 deceptive practices. 

if it's been charged off, whose income is it to report?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Debt collection

TCF bank says i cashed a check written out to me for XXXX dollars off of account that didnt have XXXX dollars in it.
Product: Checking or savings account

Wells Fargo has continued to allow unauthorized transactions on my account since 2015. Consistently processing my debit card 3 and 4 times in a row in a twenty four hour period, claiming insufficient funds, applying a XXXX $ for each then approving the final attempt. Sending me overdraft further and further each month. Eventually I was forced to live on less than XXXX per month for a year before finally my account was overdrawn before my direct deposit was processed. The applied a freeze or hold on my social security direct deposits. Claiming I needed to unfreeze my account by bringing it to positive balance to reactivate it. My direct deposits were then returned to social security as it appeared my account was closed to the computer mot on HOLD as they claimed, then released after 5 days. I contacted social security for six months each time updating my bank info to be deposited each month, but it continued each time. When I tried to switch banks for my direct deposit I was notified if I transferred my deposit info to a new financial institution I'd be charged with bank fraud for closing my negative account. Help please..
Product: Credit reporting or other personal consumer reports

This is the three time I disputed this issue.

Every time I dispute this item the credit agency updated this item with new inaccurate information.

I will attached a screenshot of the credit bureau adding on more inaccurate data regarding this item. 

I have submitted proof that XXXX did a investigation and has delete the inaccurate item from my report. 

ALL INFORMATION THROUGH THE CREDIT AGENCIES SHOULD MATCH.

The credit agency is violating : Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), both the credit reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in your report.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Checking or savings account

On XX/XX/XXXX, XXXX had taken XXXX out of my account for a subscription that I attempted to cancel beforehand. I then contacted citizens bank because XXXX typically refuses refunds ( XXXX admit, I didnt ask for a refund on this particular purchase. I went by past experiences ). Citizens did refund me that money but then, today ( XX/XX/XXXX ) they suddenly took said XXXX back. I check my XXXX XXXX and that subscription is still canceled ( it was a yearly XXXX ; and XXXX not saying I wanted the subscription but I XXXX that if they took their money back, they wouldve given me the subscription back ) which means that XXXX being charged and not offered a service whatsoever. I just want my XXXX back.
Product: Debt collection

THIS COLLECTION OF DEBT WAS FROM IDENTITY THEFT, THE DEBT OF {$1000.00} IS NOT MINE DEBT THIS FROM IDENTITY THEFT I DIDNT NOT OPEN AN ACCOUNT ON XX/XX/2019.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Account XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, XXXX said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.