23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had to Pay numerous overdraft and insufficient funds fees on Two separate 360 checking accounts at Capital One bank do to Capital One paying out transactions That were not approved by me after having told them do not pay anyone or company If the funds are not available prior to the transaction! Ive told this on several occasions. I even have overdraft protection and auto decline selected and enabled the whole time from the beginning on both accounts. The second account opened because the first account was having this problem so the second one that was set up they did the same thing and after paying for so many times when I am enrolled in the auto decline option! Which they later upgraded their system in XXXX because Their Auto decline transaction feature clearly wasnt Functioning as it should! Which the system then updated and automatically enrolled me into the new software option, No fee overdraft protection which is what is being currently offered at this time! And I have screenshots of it from way back in XXXX and XXXX showing that I was Enrolled then, and Im still enrolled in the new software as well yet still Charged Overdraft fees that I had to pay because of their malfunctioning System this is not the first time Ill include the screenshots of both enrollments In the old software and the current software which Im still enrolled in to this day, and there are negative balances on these accounts, and they already know, they owe Me back all those fees that I should not Have paid! In addition to having set up the account with the representative on the line walking me through it to make sure the second account was enrolled as well so that I didnt make any mistakes or get it wrong or any excuses Later down the road which here we are!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Unverified account Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason : I don't recognize this account Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason : I don't recognize this account Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason : I don't recognize this account
Product: Mortgage

Loan Modification : We owed a balance of about {$300000.00} on our home in XXXX. We receive a loan modification in XXXX with OCWEN Loan Servicing LLC we now owed {$350000.00} and we have a balloon payment at the end of 30 years that we do not know how much it is. This home is only worth about {$200000.00}, I thought loan modifications was supposed to help people not hurt them we have lived at this house since XXXX XXXX and we still owe {$320000.00} on the house something is not right here if you ca n't help us at least point us in the right direction. We have been approved for two principle reduction. This company did not work with us so we did not receive either one of these principle reduction we want this company to be responsible and give us our principle reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently applying for a pre-aproval mortagage loan. The company helping me with this process request a paid credit report from the 3 agencies EXPERIAN, XXXX, XXXX. XXXX and XXXX already release my credit information on XXXX XXXX. EXPERIAN still no release any credit report. 
I had been trying to speak to an agent calling their number ( XXXX ) XXXX for 2 days. Ofcourse it is totally impossible to speak with some one, the web-site does not have any email or other feature that can be used to resolve my problem. 
I'm a first time buyer and I'm afraid EXPERIAN is blocking my opportunity which is totally unfair.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent 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 the open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and the creditors have not updated nor has provided any information or provided proof or documentation regarding my late payment From XXXX XXXX XXXX, XXXX they have not supplied this information and they must delete this a ledge late payment on my credit report under federal law they had 30 days to complete this investigation and failing to do so the item must be deleted soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605b it is illegal to report any information on my credit report without my permission.please remove this item from my credit report.thank you. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that exposed significant issues with the platform. Despite having used Zelle multiple times and reporting transaction discrepancies, my financial institution and Zelle failed to conduct a proper investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was impractical. The CFPBs findings reveal that Zelle has not only failed to safeguard its users but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures According to the 15 USC 1681 15 U.S. Code 1681i - Procedure in case of disputed accuracy The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to 15 U.S. Code 1681 ( a ) ( 5 ) 15 U.S. Code 1861e ( b )
Product: Vehicle loan or lease

On XX/XX/XXXX 2017 I purchased a car from XXXX XXXX in XXXX La. I found out that the dealer listed my income as {$85000.00} to get the loan approved. I only make {$36000.00}. I thought the loan company would not approve a loan out of my payment ability. The loan was approved by Chrysler capital. The dealer claims I had income I did not report to IRS. I am a XXXX XXXX XXXX veteran. I now have to let the car go. This is going against me. They did this on two cars in one day. The dealer new I was a vet drawing XXXX. They do n't even require proof of income, this seems to be standard practice for them. The second car through XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have phoned on the XX/XX/XXXX and XX/XX/XXXX and spoken with customer service pertaining to credit score reporting to credit bureaus, it seems like, when our payments were late the credit card company XXXX would report the card late, but now the card is current, the card information has not been reported to the credit bureaus. when speaking to someone in the credit department on the XXXX they stated it would take XXXX billing cycles, but, I stated that was unacceptable and, that should not be when your company has been reporting on a regular basis. This has cause an issue on our end, because, we are trying to purchase a home, been living in a hotel over a year and been working on our credit to get things straighten out myself and my husband and now we are at a stand still, with negative remarks on our credit reports, because of this, we stated to the credit card company that the credit bureaus said they never sent anything over to them this is why no information was reported and a file number was given to my husband to given to XXXX and the customer service in that department did not even want the number, but when, told her what the representative from the credit bureau said she just stated her supervisor will take care of that. All she had to do was enter the file number into the system for the report she kept stating it will be looked into before, XX/XX/XXXX. I said that's unacceptable and, I would be calling back. 

I phoned back XXXX was the last day we spoken to the company and the issue still wasnt corrected, I was given a number to the credit department but it just ranged and, I hung up, I am doing there job, I am the customer, and this is not my responsibility but am looking for solution Sincerely Yours XXXX XXXX
Product: Mortgage

On XXXX XXXX 2015 I applied for a mortgage with PNC bank. At that time I explained to the mortgage broker XXXX XXXX that I was in a chapter XXXX bankruptcy more then 2 years ago. He explained under the rules to secure a VA home loan the bankruptcy timeline is 12 months for chapter XXXX and 24 months for chapter XXXX. This information is Identical to what Ive been told by other banks as well. Secondly I also explained that I 've been offered other loans at a interest rate of about XXXX and was looking for a better rate. He said with PNC I would be looking at rate of bout XXXX and PNC would cover the closing cost which would allow me to secure loan without any closing cost or down payments. Based on this information I said go ahead and run my credit. After he ran my credit he sent a pre-qualification letter at XXXX and a interest of XXXX. I sent in all the requested personal and private documents as requested. I then proceeded to shop for a home and eventually signed a contract. About a week later I contacted XXXX about the loan status and he explained the loan was denied. My point problem is that XXXX mis-represented his ability to secure a loan and PNC bank is advertising its ability to secure VA home loans and not following the guidelines when it come to past bankruptcy, debt to income ratio and credit score. Secondly the underwriter is unaware that non taxable income should be listed at 125 % when it come to DTI ratio for mortgage loans and in my case a XXXX loan would be ok. Finally PNC penalize me for shopping for a car loan and mortgage loans and as I understand the rules mortgage loans and car loans completed withing 30 days should be treated as XXXX inquiry.
Product: Student loan

Re-enrolled in auto-pay in XXXX, and on the first payment restart ( XXXX ), payment did not process, showing the payment was late on ( XXXX ). 

Manually paid to rectify, but this defeats the point of auto-pay. Had zero issues with XXXX XXXX as a servicer. Nelnet has been very bad with shifting amount due throughout month, no access to payment schedules, in accurate billing, and telephone wait times of 3+ hours.
Product: Debt collection

On XX/XX/2020 SYNCE/XXXX for them to stop the harassment but I was rudely spoken too and verbally abused.
Product: Consumer Loan

Had a leased truck with boyfriend through Ford. We broke up. The boyfriend started paperwork to transfer the lease to his name only so I would be removed since we were no longer together. We were charged a transfer fee. He then passed away just after this was completed. Ford now acts like the transfer never happened and is looking to me to pay this. if the transfer was n't complete, they should refund that fee. I have asked for copies of the documents ( since according to them I am still on the account ) ... all documents including the transfer of lease forms. I received nothing. I was told my account was turned over to someone at ford and they would be calling me..i have received no call. I also receive no help from XXXX XXXX in XXXX IL where this was purchased. The boys club does n't seem to want to respond to me. Paper work for the lease when we began this had to be redone 4 times with XXXX at the onset.
Product: Credit reporting or other personal consumer reports

Unauthorized items remain on my credit report as a result of the fraudulent use of my personal information, and I have never received any benefit from these transactions. Understanding the severity of the situation, I quickly filed a report with the Federal Trade Commission, expecting a resolution. However, despite following all the proper steps, these fraudulent items persist on my report. This has become incredibly frustrating, as I continue to face the damaging effects of someone else 's misuse of my identity.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage XX/XX/XXXX. At that time I was notified by XXXX XXXX XXXX, that there was a problem with my credit history. 
They stated that Synchrony Bank/XXXX XXXX  was reporting my account as I was deceased. 
XXXX XXXX closed my account by mail in XXXX, and my account at that time had a zero balance. I never used that closed account again. 
XX/XX/XXXX, I called Synchrony Bank/XXXX XXXX and asked why they were reporting that I was deceased. They could not answer me. And I asked where they received that information. They refused to tell me.

I now have just received a letter from Synchrony Bank/XXXX  XXXX with  inaccurate information. Which was never reported. They are now reporting as if I did not pay them. This is not true.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

Someone used my social security number to open a lease in " XXXX XXXX XXXX  '' located in XXXX XXXX, TX on XX/XX/2022. This is affecting my Equifax score under XXXX. The even bigger problem is that I have filed a dispute with Equifax 4 times and those 4 times they have been unable to remove this from my account. I have submitted evidence that I did not live in XXXX XXXX, Tx at the time the lease was opened and they still haven't been able to identify the suspect using my social. I have also filed an FTC report. You can imagine how I feel having someone else 's bad record affect MY credit report. This is an identity theft situation and I need help clearing this from my credit and also holding Equifax responsible for not being able to help me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to XXXX XXXX The information listed below, which appears on my credit report, is the result of identity theft and XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card account ending XXXX was established XXXX  years ago in XX/XX/XXXX. In the offer that was mailed to me during that time indicated that if I keep the account in good standing it could be eligible to be upgraded to a different card. I have called periodically over the years to ask about upgrades and each time was told there are no offers at this time, and that Capital One does periodic reviews and to check at a later time or keep an eye out for offers. At that time I was new to credit and chose to accept the offer and the XXXX XXXX  monthly membership fee because I could upgrade the card at a later time to one without a membership fee. I feel Capital One was deceitful in the material provided and lied and has trapped me. When I spoke with someone today XX/XX/XXXX they told me this specific credit account is not eligible for upgrades, the next representative just said no offers at this time. I want to know why I have never in XXXX  years been provided the opportunity to upgrade this card. I spent {$540.00} In membership fees that offer no membership benefits. I want Capital One investigated for for being deceitful regarding their upgrade eligibility and review process. I feel I was financially preyed upon by this company as a young female new to credit and financially harmed. I am asking that Capital One reimburse me the {$540.00} I paid under false pretenses. I am also asking that Capital One either upgrade this credit card to one that doesnt have a monthly or annual membership fee, or leave the card as is and waive the current membership fee going forward.
Product: Credit reporting or other personal consumer reports

My ex-wife opened a XXXX XXXX credit card without my authorization to buy something for her dad then I found out and I kept paying the card until one day my car got misplaced and someone stole the card and put multiple charges. XXXX XXXX opened an investigation and they informed me that I would be notified regarding the result of the investigation. I was never notified and I was put in collection for charges that were not mind. I have over three years trying to resolved the issue and they are not taking into account my concerns. My credit has being ruined and they have being negligent in making an effort to clarify the issue I am tired of calling and speaking with 4 to five different departments for 2 hours.
Product: Credit reporting or other personal consumer reports

Unauthorized use of my credit. Please remove these ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear : XXXX, XXXX XXXX TransUnion This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

1. XXXX XXXX XXXX  : # XXXX 2. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX 4. XXXX XXXX XXXX 5. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

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

I filed an FTC report about unauthorized inquires on my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided. 
Account Status : Reported as " Closed '' but details differ across sources.

Credit Limit : Reported inconsistently as {$200.00}.

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly.

TILA 1666b : Failure to provide periodic statements within the required timeframe.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection. 

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

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

The following information listed on my Experian credit report is inaccurate, fraudulent and not my account or credit inquiry : XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX. The XXXX XXXX XXXX  account was fraudulent and not my account and the XXXX XXXX XXXX  credit inquiry is fraudulent and not my credit inquiry.