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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

CAPITAL ONE AUTO FINAN XXXX Balance - CAPITAL ONE XXXX Balance {$0.00}
Product: Vehicle loan or lease

Ally financial has not sent the lien release or the title to my new lender which is XXXX XXXX XXXX XXXX. 

Loan was paid off on XX/XX/2020 One representative said it was sent to XXXX XXXX  on XX/XX/2020 Second representative advised it was sent on XX/XX/2020. 

All representatives have advised that they will not provide me copies. 

I was advised that a paid in full letter was sent to myself on XX/XX/2020. per XXXX. 

It was also not received. All information appears to indicate that ally is not telling the truth about releasing the documents. Online account shows that the Title/release of lien has not been completed.
Product: Credit card

my chase credit card bill dated XXXX/XXXX/15 was {$630.00}. on XXXX/XXXX/15 I paid the entire balance. my due date was not til XXXX/XXXX/15. they charged me {$7.00} interest. I called to complain and was told I did n't pay my account in time.
Product: Credit reporting

In XXXX, without notice, XXXX force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on XXXX of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, XXXX also failed to notify me that they reported the " delinquency '' to Experian as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with Experian to dispute the mark, I found it ridiculous that I had to clean up XXXX 's mess. This should be XXXX 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX straight.
Product: Money transfer, virtual currency, or money service

I wired XXXX  XXXX from my bank account at XXXX - XXXX XXXX ( XXXX ) to my bank account at CHASE ( XXXX ). The amount was sent on XXXX, XXXX  and was received on XXXX, XXXX. 
According to the official exchange rate ( XXXX  was oscillating around XXXX ) I should have received approx. {$21000.00}, while I only received {$20000.00} ; while the XXXX exchange rate was oscillating around XXXX, my money was changed at XXXX ( 2.5 % lower than the official rate ). I called CHASE Customer Service in order to rectify the transaction, however the associate replied that the exchange rate is automatically calculated and nothing could be done about that. Therefore I made an appointment with an associate at CHASE local branch, XXXX XXXX, who understand my question and called the headquarters from his office. Again, I was explained from a different representative that the exchange rate is automatically calculated, however she could not explain the notable difference from the official rate and the rate that was used. I asked to escalate my complaint and, after speaking to three more specialists, I was finally answered by supervisor XXXX XXXX XXXX XXXX, who explained that the originating bank ( not the receiving bank ) was responsible for deciding the exchange rate. I respectfully ask her to put that statement on paper so that I could contact the originating bank, however she answered that she was unable to do so. I expressed my disappointment and told her that I would take my complaint to CFPB. I already paid two fees for the transaction ( XXXX  XXXX to the originating bank and XXXX XXXX to the receiver ) : I shouldn't be " taxed '' using a manipulated exchange rate.
Product: Checking or savings account

Checking accounts have been opened in my name, leases and credit cards. There has been breached in security on several of the companies that declared I owed them. There have been cyber brwaches where my infi has been expised and id like to have these hecking accounts, leases and credit cards removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with XXXX, XXXX and XXXX  my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my capital one card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet XXXX  and XXXX  are not helping me resolve this issue. Thank you attached are my current account balances for both capital one cards with the amount available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX is reporting a debt on my credit file that I do not owe. This debt is erroneous and I can not believe this is still reporting on my credit file. 
This debt was paid years ago and it needs to off my credit.
Product: Money transfer, virtual currency, or money service

In response to a falsified e mail a {$650000.00} wire transfer was made from a XXXX XXXX account to a Wells Fargo bank account -- -- the account number, bank and routing number were to an existing account but that account is not the recipient 's account because the recipient HAS NO WELLS FARGO ACCOUNT. 

The name of the intended recipient was XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( no typo ) -- - The account name to which the funds were mistakenly sent and which supposedly corresponds to the account number is " XXXX XXXX XXXX ''. 

The wire request from XXXX XXXX ( requested Friday XX/XX/2023 and completed Monday XX/XX/2023 states that the name on the account to which the funds are to be credited is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ''. Wells Fargo HAS NO SUCH ACCOUNT TITLED IN THAT NAME. 

On Monday XX/XX/XXXX the sender ( author of this Complaint ) through XXXX XXXXXXXX initiated a wire recall notice to Wells Fargo. It is not Thursday XX/XX/XXXX and Wells Fargo REFUSES TO HONOR THE RE-TRANSFER DEMAND. 

WELLS FARGO IS ON NOTICE THAT A FRAUD HAS BEEN PERPETRATED, via XXXX XXXX 's fraud unit and it continues to refuse to honor the reissuance of the funds. 

THE FUNDS ARE IN IMMEDIATE DANGER OF BEING RELEASED TO THE PERPETRATORS OF THE FRAUD AND WELLS FARGO, KNOWING THIS, CONTINUES TO FAIL TO PROVIDE ANY RELIEF VIA ASSURANCES, RETURN OF THE FUNDS, OR ANY OTHER ASSISTANCE. I was advised that it may have " blocked '' the account to which the funds have been deposited -- -- the very same account of the PERPETRATORS OF THE FRAUD - but that the block may only remain for a short time -- -- -- -- -- -- meaning the funds could very well be released to the perpetrators while Wells Fargo is on notice of the definite fraud. Time is of the essence. 

THE ACCOUNT NUMBER TO WHICH THE FUNDS WERE SENT AND SUPPOSEDLY DEPOSITED IS -- - XXXX -- -- -- - it is from this account that the {$650000.00} must be released to XXXX XXXX rather than to the fraud perpetrators using this account.. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.
Product: Payday loan, title loan, or personal loan

Theyre back at it again, I thought we had a handle on it, they gave you a response a few months ago addressing this matter. There are no loans for me there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet. I recently checked my credit report and saw this request to look at my credit which I have not completed any application for. All this information listed on this report is FRAUD.
Product: Credit reporting or other personal consumer reports

You have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the reports you publish. Credit reporting laws ensure that bureaus only report 100 % accurate credit information.
Product: Debt collection

sessoms and rogers and XXXX XXXX XXXXXXXX are trying to sue me for an old credit card debt. i already explained to sessoms and rogers and XXXX XXXX XXXX that i will not pay this debt. XXXX XXXX XXXX will not answer their phones for me to even communicate to them about this debt. i am a XXXX veteran so there is no way for me to pay anything because i do not work. so good luck trying to get money from me not owed
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized inquires on my profile. 
XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/850 XXXX  call from XXXX XX/XX/XXXX XXXX call from XXXX XX/XX/1031 XXXX  call from XXXX XX/XX/838 XXXX  call from XXXX XX/XX/441 XXXX  call from XXXX XX/XX/134 XXXX  call from XXXX XX/XX/XXXX XXXX call from XXXX XX/XX/XXXX XXXX call from XXXX XX/XX/204 XXXX  call from XXXX There's a long list but this is enough to prove the point that they keep calling my home mornings, afternoons and late evenings. I want all forms of communication to cease immediately or I will be forced to take legal action. I did send an email to them today at the advice of a law form I consulted this morning and will send a letter certified mail. This is not the first time I reported this company to you all, but hope it will be the last.
Product: Credit reporting or other personal consumer reports

My purse was stolen in a nightclub in 2019, since the incident I have noticed someone attempting to access lines of credit in my name. I recently pulled a copy of my credit report and noticed accounts that I have not authorized, nor do I even have any affiliated with being reported on my credit report. I have contacted the Credit Bureaus to get this resolved also requesting method of verification without a formal response.

I have the right to privacy and I have not given any written consent for this information to be placed on my credit report. Doing so is in violation of 15 USC 1681B I thoroughly researched these accounts, and furnishing accounts to my profile in direct result of identity theft is in violation of 15 USC 1681 C-2 I noticed a slew of addresses being placed on my profile where I have never resided. I requested for the credit bureaus to remove the previous addresses to prevent any fraudulent information from being placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an eviction on my report that is fraud Experian is reporting student loan that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the 3 credit bureaus are making it incredibly difficult ( on purpose ) to file disputes, and follow up on disputes online and on the phone. The TransUnion portal is reporting an error when I try to file a dispute. I attempted this on 2 different browsers, 2 different computers, and on consecutive days. The XXXX site is not allowing me to download the PDF with the results to my dispute. XXXX is not allowing me to comment on my Dispute and add subsequent documents justifying my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$680.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$300000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a sent letters regarding inaccurate and unknown items on my credit report. To this day 35 days later i have not received a response. I feel like I am be take advantage of and being ignored by my disputes.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding a recent issue I encountered while using Zelle payment services. I have been a customer of Zelle for a few years, and I have generally been satisfied with the service. However, I encountered a problem that has left me frustrated and without resolution. I have already contacted my bank regarding this issue and they were unable to resolve it. I have also attempted to contact Zelle support through phone but have not received a satisfactory response or resolution.
Product: Credit reporting or other personal consumer reports

Following 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.

The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And TransUnion has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by XXXX points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with TransUnion and XXXX enough is a enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received a fraud alert. When trying to resolve the Issue with the 3rd World country in XXXX they refuse to transfer me to a U.S. representative. I asked to speak to a supervisor and the people in XXXX refused to do so. I asked to cancel my card but they refused to do so. I explained that I will NOT give them pertinent information in fear of fraud and they refused to help! I don't know what to do anymore. There is too much fraud due to 3rd World representation to save $ . The American people are suffering from lack of quality control. XXXX XXXX has instructed XXXX to refusal of U.S. help. I do NOT trust my personal information to be in the hands of a impoverished country with no moral compass. When will this stop!? The timeswere XXXX and XXXX onXX/XX/2018
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately 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

n accordance with the Fair Credit Reporting act 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, credit repair services, or other personal consumer reports

There is currently a collection account on my report. Please remove : XXXX XXXX XXXX  XXXX.
Product: Debt collection

Midland creditors appeared on my transunion report stating I opened an account XX/XX/20 in the smoking of XXXX. I have no knowledge of this account it does not belong to me I would like to see some paper work with my signature and proof the creditor has legal obligations to collect debt. My email address is XXXX My mailing address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX Illinois XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2022 I informed US Bank of a fraudulent charge to my checking account. This charge led to an advance being issued to my checking account from my US Bank Reserve line. 

My first conversation with US Bank ended when the agent informed me that I was deceased, and that I would need to physically bring a copy of my own death certificate to a US Bank branch in order to have my account closed, and then hung up on me. 

I called back and received instructions to dispute the charge, and I submitted the necessary paperwork to dispute the charge to US Bank and it was reversed in my checking account. 

I instructed US Bank that I wanted to have both checking and reserve lines closed upon resolution of these items, and specifically provided instructions that any funds should be returned to the Reserve Line prior to closing the accounts. 

I learned afterward that US Bank disregarded my instruction to have balances resolved in the accounts prior to closing them, and the Bank began to issue me late fees for the balance of the Reserve Line account. At the time, the only balance in the Reserve account was the amount that US Bank had advanced to my checking account. They claim to have issued a cashier 's check with my funds but as their records will show that check has not been deposited. 

I have spoken with nearly 20 representatives of US Bank in a three month period trying to resolve their processing errors and collect the balance of my checking account- which should have been about {$7.00}. This is now between 8 - 10 hours of my own personal time.

US Bank has reversed multiple late fees, and I have personally paid the balance of the Reserve line, despite not having received any of the funds that were in my checking account at the time it was closed. I have learned that as I have worked with US Bank to try to resolve their initial error that they have reported my account as delinquent twice to credit reporting agencies. Since discovering the initial error, I have informed multiple representatives of US Bank that this error needed to be resolved definitely before any credit agencies received inaccurate information as a result of US Bank 's mistakes. 

I have found not a single person at US Bank that can take ownership of the mistakes that have been made to date, or drive for resolution of their inaccurate reporting to credit bureaus, or ensure that a check is sent with the amount US Bank owes to me. Every associate either informs me that I have the wrong area. Several have simply hung up on me. Multiple times I have been transferred to an area where the phone was answered and I was hung up on without anyone speaking to me. The telephone number listed for Consumer Report Disputes is not monitored. I have the direct line to a manager in their customer service area, who will not return my phone calls.