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

On XXXX XXXX, 2024, I made a deposit, XXXX to my checking account with XXXX money order ( XXXX each ). This money is from my wife 's cousin, that we loan her for about {$10000.00} for the spend due to her spouse passed away. Then she payed back to us first half within the next few weeks and then we told her that to keep it there just in case if she need it, at this point, she need more than I do. And then this month, due to I just lost the job and I ask her for the money so I can pay up my mortgage, credit card, etc. I made deposit with everything and receipt come out said they need to hold it within XXXX business days and I'll attached to that for proof. And then next day, my wife took my daughter to the same branch that I deposit, to open a high school checking account. The person in there said she got restricted and then my wife said, why is that, need to talk to XXXX. But then the branch XXXX assisted them with that and they gave her a note for my me to call. In that call, they need to verified who's the second person on the money order and that is my wife. They put me on hold and before that, I told them that to get a translator because I don't want to get involved. While they're talking, I recorded the conversation. I recorded the Chase XXXX. After the conversation, they told me that they can not transfer the money into my saving account but they'll send the check home. I told them no and I told them they need the money now and they keep me on hold and transfer. On the date, the receipt showed my funds and available balance etc. I need to take it out to pay my bill. The thing is, when I want to talk to them, but I keep getting on hold. The next day, they closed down all my payment and now I'm late for every thing I needed to do. I don't know why they did that, please take back my money and be responsible. I already past due to my house and credit card too. I need that money asap, I will loose everything. Thank you, I appreciate, please review the attachment, voice, proof of deposit, screenshot from my account, etc, this the mandatory help, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) Capital One Bank, N.A. has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This collection account is also being reported with several different open/closed dates as well as different balances which is a violation of FCRA and Metro 2 Compliance.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however Capital One Bank, N.A. has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I received a letter from ONE main financial, saying they had denied me on a credit line, well i never applied, so i log into into my XXXX account and saw they had an inquire on all 3 reports, i remember getting an invitation from the either XXXX or XXXX which i call to inquire, when i spoke to their operator she told that their interest was around 10 % then i said " No thank you very much '', never authorized for a credit run, i am no about to pay anyone 10 % on a credit line. yesterday i call their XXXX number i explain teh situation, hoping to get some resolution, the first operator " Hand up on me '', on the second dial the second play dump, refused o give me her name when ask to be transfer to a supervisor, when i began to tell teh supervisor, that i had received an invitation, call ad never apply since their rates were to high, she stared saying that perhaps some one had taken the letter call and apply, i said to her it was impossible, since i had sheered the paper, we have a big sheered in my office for all personal documents..then she stared playing the game she couldn't hear.. i have an i phone XXXX..and my service is with XXXX which is clear as whistle, keep saying i cant hear you and hang up..when i try to dial again, none would come up on the line.
Product: Checking or savings account

On XX/XX/XXXX I received a phone call from Wells Fargo Bank asking if I authorized a wire transfer of {$10000.00}. Which I did not. This was actually the second wire. The first one had gone threw for {$9900.00}. Someone in Florida had breached my online banking and transferred money from my line of credit, business saving, XXXX, personal savings and my credit card to my business checking to be able to wire it. At some earlier point the hackers had changed my mailing address and ordered a fob from Wells Fargo to receive codes to summit wire transfers. All of the cases have been resolved except for the money taken from my savings accounts. {$1400.00} from business savings and {$8000.00} from personal savings. After many months and trips to the Wells Fargo XXXX in XXXX Ca. I was informed by Wells Fargo Bank that it was not their responsibility for the wire transfer. It was XXXX Bank in which they went to. I believe this to be negligence on Wells Fargo Bank for allowing my address to be changed and for mailing the fob to Florida. I have been with Wells Fargo Bank for twenty years and have never lived or done business in Florida. This has caused great hardship from not only the loss of money but also loss of work and time.
Product: Debt collection

I don't recall having a contractual relationship with this collection company TRANSWORLD SYSTEMS INC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Mortgage

The Mortgage Company, Newrez, has removed the ability to pay mortgages using credit or debit cards, only offering bank draft. This makes it more difficult to pay mortgages for consumers and causes confusion as bank drafts take several days to post to bank accounts. This can cause overdrafts, bank fees, late fees, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS INQUIRES ON MY CREDIT REPORT THAT ARE NOT MINE. NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.
Product: Credit reporting

XXXX are reporting a debt that does not belong to me. Please handle and remove from my credit report
Product: Vehicle loan or lease

We had initially applied for an auto loan with Navy Federal Credit Union in early XXXX and had XXXX as the dealership to be paid. There was various additional documentation that XXXX XXXX wanted for the loan because of my wife 's name change when we got married. By the time the loan was approved, we had already picked up the car and went with XXXX 's finance company, XXXX XXXX. When the loan approval came through, we called and told them this. Then, we asked if we could switch the payee from XXXX to XXXX XXXX. We were told yes and that the representative would do that. We were told that we could then sign the loan documents. So, 2 days later, we signed the loan documents. 

When we went to get the check to produce to XXXX XXXX, we were told that it was still made out to XXXX. After multiple inquiries, we were told the phone representative had technical issues and could not switch the payee to XXXX XXXX. We were never notified that the payee was not switched. So, we were misled into signing the promissory note. They now state that the only way to change the payee is to cancel the loan and reapply. 

The whole process has been time-consuming and could potentially have a financial impact due to the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX XXXX {$9600.00} XXXX XXXX XXXX - Acct # XXXX XXXX $ - XXXX XXXX XXXX Acct # XXXX XXXX $ - XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2019
Product: Debt collection

I sent a letter to ATG CREDIT letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ATG CREDIT refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ATG CREDIT provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit card or prepaid card

I filled out an application online with capital one after getting a pre-approval. 

They told me they needed more info from me. Waited on hold for a while to speak to customer service. They told me I need to call another team. Waited for an extensive time for them to tell me they sent me an email. Never got it including spam folder. They said they cant resend the email and can not tell me what is needed to move forward. Requested a sup, she could not help and there is no one hire than her. So I filed this complaint
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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
+ I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. I need those issues settled after this complaint. 
Here are the accounts that need updating : XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX Balance : {$3300.00}
Product: Vehicle loan or lease

Original contract for buy the vehicle was signed on XX/XX/2023. My contract included GAP insurance which I told it was a necessity that it be on the contract or I did not want to buy the vehicle. Approximately a month later I was told to return to the dealership to resign the contract via phone by XXXX the salesman who sold me the car. He claimed it was because they found a lower price and that it was the exact same contract as before just with a different lender. At the resigning, a female employee i had not worked with prior handed me a page from the contract one by one, pointing for me to sign lines on each page. I was only shown the decrease in cost and told it was b/c of the change in lender. Neither the salesman ( XXXX ) or the finance manager ( XXXX ) who I had been working with before were at the dealership. This occurred on XX/XX/2023. I was placed on XXXX XXXX from XXXXXXXX XXXX  for the XXXX XXXX. While on orders at no fault of my own I was unpaid by the state of Illinois for over a month. I did not receive my full pay for about 3 months. This caused me severe financial stress and hardship. The nature of the course gave me little time to seek and apply for financial aid. Using class time to apply to XXXX it was denied due to the XXXX XXXX XXXX XXXX. In order to pay my most important bills to prevent loss of my residence and severe debt/credit problems I was unable to pay my car insurance. Shortly after returning home from the orders my car was hit and totaled while parked safely on XX/XX/2023. I was not in the vehicle and it was a hit and run. The perpetrator was not found by XXXX, leaving me unable to recover losses. Because of the states failure to pay me while on orders, the hit and run has left me without a vehicle; worsening my finances, unable to pay the {$500.00} car payment, and unable to get to my job. My credit has drastically decreased leaving me afraid of homelessness. Waiting for gap insurance to provide relief, I was recently informed it was removed in the second contract unknowingly by me. Additionally i made a down payment of {$1000.00} via card and another {$2000.00} via check which is not listed in the documents. Im living off my XXXX XXXX XXXX XXXXXXXX XXXX, unable to recover. The documents from both contracts are attached for your review.
Product: Credit reporting or other personal consumer reports

Chase Bank tried pulling my credit on two different occasions that hurt my credit. I never applied for credit through Chase bank in the past few years. I want these removed from my credit report. Someone must have stolen my identity. I am looking into how to fix that too. 

JPMCB CARD Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Hard inquiries JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record untilXX/XX/2025
Product: Credit reporting or other personal consumer reports

LCI IS A THIRD PARTNER COMPANY WHO REPORTS BANKRUPTCIES ON BEHALF OF XXXX. THEY DID NOT GET MY PERMISSION TO PURCHASE ANY OF MY INFORMATION. NDER THE FCRA THEY VIOLATED MY RIGHTS TO PRIVACY. UNDER 15 usc 1681b ( aN ) 2 ). No consent to furnish any information. 15USC 1681c ( a ) Bankruptcy information is excluded from the consumer report. Public records is NEVER validated by the Recorder of Deds nor the U.S. court system due to FCRA Privacy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, TD BANK N.A. add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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 XXXX XXXX XXXXXX/XX/year> To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Sincerely yours, 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. According to 15 USC 1681i ( 5 ), they are supposed to remove accounts that aren't reporting correctly. 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, credit repair services, or other personal consumer reports

I have disputed XXXX account thats showing I owe {$100.00} a few times now. The issue is Ive been trying to pay this account off for over 3 years now and even send them a payment on two different occasions and check was sent back to me without an explanation. I called to pay over the phone and they wouldnt take a payment. I reached tour to XXXX XXXX XXXX and they responded back in XXXX of XXXX stating I would have to wait and pay on the account in XX/XX/XXXX after they sell the account to XXXX XXXX. XXXX even sent this to Experian, myself and the Consumer Financial protection bureau. This is against the law and against Fair Credit Report Act. XXXX did not follow the FCRA rules. Not only did XXXX violate my rights but Experian violated my rights as well because at that point Experian should have completely removed this account from my credit file and they didnt. So no Experian is responsible for this account affecting my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

These inquires were not done by me.
Product: Debt collection

I have tried to resolve and verify this debt with Receivables Management System several times, but to no avail they have not responded to my inquires. I have requested a validation of this debt thru certified mail. Most recently, I sent a letter certified mail, postmarked XX/XX/2021. They received my letter on XX/XX/2021 at XXXX XXXX XXXX. Today is XX/XX/2021 and they have failed to comply with my request. This company has never sent any documentation confirming that they are able to collect on said debt.
Product: Credit card or prepaid card

I was solicited by mail by Synchrony Bank to open a XXXX. Terms say on envelope and on enclosed document if I purchase {$1000.00} with the card within 3 months I would get a statement credit of {$100.00}. 

I purchased approximately {$1600.00} within the first couple of weeks after I received the card. The bill came via email to pay online. When I looked at the statement there was no {$100.00} credit which is usual for other cards I have which gave similar incentives. I did pay the bill in full. 

I called the company and was told by a representative that I would not receive the {$100.00} until 5 MONTHS from now. That the 3 month period would have to pass and then it would take 1-2 months to process the credit. He claims this is what their terms say. It does not. It says credit applied within 3 billing cycles. Well, this is within 3 billing cycles. Not much of an incentive to use the card any more.
Product: Debt collection

I received a call today from a collections agency ( Amsher ) ( amsherconsumer.com ) from number XXXX asking to pay for {$1000.00}. Related to internet/cable service. originally I thought it was a fraudster attempting to get my credit card information and asked for the name of the company that did the report and account number. The Company is XXXX XXXX. I called the customer service line and the XXXX department and they informed that is an actual account under my name. However, the only information that matches my real information is name, date of birth and phone number The service was opened in XX/XX/XXXX - XX/XX/XXXX in New York. I never requested, authorized a service in NY and never lived in NY. 
XXXX  is reviewing what happened and will get in contact with me within XX/XX/XXXX hours. 

A police report, a report with the three major credit reporting agencies and a complaint with the Federal Trade Commission is already requested.
Product: Mortgage

I just picked up a certified letter dated XXXX XXXX, 2016 that Ditech Financial LLC, a Greentree serving company merger, mailed on XXXX XXXX, 2016 where Ditech is planning to foreclose in violation of Dodd-Frank and XXXX. 
1. Ditech is disregarding Dodd-Frank because Texas has what is called a rule XXXX and XXXX expedited hearing and the number of payments or XXXX does not matter as long as they provide notice of intent to foreclose. 
2. Ditech falsely documented I missed XXXX/XXXX/2016 and XXXX/XXXX/2016 payments. Attached are the cancelled checks and the cancelled check for XXXX 2016 that Ditech had when it claimed XXXX and XXXX were missing. 
3. Ditech is willfully violating XXXX by refusing to process my XXXX XXXX, 2016 for XXXX while it threatens foreclosure. I do not have any missing documents, which they acknowledged to XXXX, but since those conversations are taped, Ditech is falsifying written letters. 
4. Ditech is falsely reporting the Advance balance. Beginning XXXX 2016 {$11.00} per month of the mortgage should be applied to the short. See the XXXX statement attached. When XXXX transferred the account to Ditech in XXXX, advance balance was supposed to be reduced. Yet, Ditech deceptively includes it to drive up the balance. 
5. The late fees are not valid but Ditech includes those to run up the balance. 
XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated but how can this be true when there are 23 accounts with inaccurate information reporting? These inaccuracies are grounds for monetary reimbursement as well as removal as they violated my rights under the following : 15 U.S.C. 1681 section 602 A which states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 which states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took longer than 30 days to review and update the information on my report as requested in XX/XX/2022. Here are my certified mail tracking numbers XXXX : XXXX Experian : XXXX XXXX  : XXXX