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

I hope this message finds you well. I am reaching out regarding an issue with a collection from XXXX that is currently reported on my credit report. 

Despite several attempts to resolve the matter, XXXX has not been able to provide definitive proof that the debt is mine, such as a notarized contract or other binding documentation. Without this concrete evidence, it is unreasonable for this collection to continue to be reported on my credit report. 

According to the Fair Credit Reporting Act, all information on a credit report must be 100 % accurate. Given the current circumstances, it is evident that the validity of this debt is in question, making its presence on my credit report potentially inaccurate. They keep reporting that it is within FCRA requirements but this isnt true, my report isnt 100 % accurate. This collection should only be reported once and not every month as well which proves this isnt 100 % accurate. 

In light of this, I am kindly requesting your assistance to remove this XXXX collection from my credit report until such time as they can provide proper evidence of my obligation to the debt. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax consumer service XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Money transfer, virtual currency, or money service

My concerns regarding zelle handling disputes particularly in the light of recent CFPD 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.
Product: Mortgage

On XX/XX/XXXX, I applied for a XXXX XXXX  loan modification under the Covid-19 relief program for XXXX XXXX XXXX XXXX XXXX, MA. Mr. Cooper denied my application on the false basis that I did not deposit my rents from my tenants which I use to pay my mortgage. Mr. Cooper violated XXXX XXXX regulations when it denied me because I did show that I deposited my rents in my bank statements and also provided leases and tax returns. Mr. Cooper lied to me and broke the law even though I qualify for a XXXX XXXX loan modification so they could steal my house in a foreclosure auction which they subsequently scheduled for XX/XX/XXXX. I have children who rely on me to provide for them and I need my property so I do not become homeless. I feel that the Mr. Cooper want to take the equity in my home and does not care about homeowners it puts out on the street. On XX/XX/XXXX, I submitted a new loan modification application in which I circled my rent deposits. Mr. Cooper refuses to stop the foreclosure on my property. I need the CFPB 's help to stop the foreclosure and make Mr. Cooper follow the law and approve me for a loan modification so I can move on with my life. Please help me. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting false information on my credit report and refused to investigated or delete derogatory errors on my credit report despite the fact that I've mailed them copies of all my documents. They still have XXXX different names in my account. I had sent them my Drivers license, My bill, copy of my social security number and so on, they are still reporting wrongly. The have people buying cars and houses in my name and they are reporting them on my credit report as delinquent. Lowering my credit scores. I don't have any problem with the other credit reporting agencies but Experian. I think that they're fraud and needs to be investigated. They always allow third party credit reporting agencies and allow anybody into my account which was the case with XXXX. They don't believe in doing accurate and detailed investigation.based on my experience over XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 %. For several months, I have been trying to dispute negative accounts from my credit report, several times. 

In accordance to Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when several inaccuracies are shown on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are the negative accounts XXXX XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX  XXXX {$170.00} I attached the latest dispute letter I have filed a complaint against bureaus and creditors.
Product: Credit reporting or other personal consumer reports

On XX/XX/ a hard inquiry appeared on my Experian credit report. This inquiry was from XXXX XXXX XXXX XXXX I did not authorize this and want this removed from my credit report. I attempted to call the phone number, XXXX, that was listed on my credit report for XXXX XXXX XXXX XXXX and it leads to a line with someone offering a {$100.00} gift card for XXXX and asks for personal information in order to send out the card. This all appears to be a scam. I then reported this incorrect information to Experian and had a fraud alert applied to my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the failure to conduct a thorough and proper investigation into a dispute I filed concerning my credit report. Despite my previous communication and request for an accurate resolution, the issue remains unresolved, and I believe that the credit bureau has not adhered to the legal requirements set forth by the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Approximately 6 years ago, I was going through a divorce after being a XXXX for 16 years. Having XXXX children in college and desperately needing money, I accepted a credit card from Wells Fargo. Sadly, I used to pay bills which led to me reaching my max amount very quickly. Everything was fine until I missed a payment and my minimum amount was increased to a point where I could n't afford to pay it anymore. I tried calling to make different payment arrangements and was told " use your tax refund to pay us ''. I have struggled so much financially and emotionally over the past several years and they only made everything worst. Now they sued me, put a lien on my house, and are garnishing my wages even when I do n't even make enough to pay my bills. I feel Wells Fargo targets people like me who are vulnerable and desperate. They knew I no income and still issued me a card knowing that owned a home. They took advantage of my situation based on the information they have about the equity in my house ( they are my mortgage company. I hold my self responsible, but I also want something to be done to prevent other people from going through suffering an experience like this. Wells Fargo should not issue credits cards to people who are not employed knowing that they can after their property.
Product: Debt collection

While reviewing my credit report I noticed a collection account in the amount of XXXX with a past due amount of XXXX. Every month the amount changes by {$30.00}. I have sent numerous letter for XXXX XXXX to verify and validate this account all which have gone unanswered. I reached out to the credit bureaus and they keep saying the account is verified. When I asked them how was it verified or to provide me with proof they can not provide any such documentation.
Product: Payday loan, title loan, or personal loan

I was never contacted by the company and told my account was in arrears. When I contacted Opportunity Financial on XX/XX/2019 and spoke with representative XXXX. I was told the last payment was XX/XX/2019 and my account was {$400.00} past due. I attempted to make a payment on XX/XX/2019 and no longer had online access to the account. The representative XXXX told me my account was being written off and I would no longer have access. 

I have not received one call or email from the company providing me with a status of my account. I asked the XXXX why I was not contacted and he communicated I responded STOP to a text message in XX/XX/2019. This was from a prior account with OPPloans which was paid in full. 

During this same phone call, XXXX communicated to me the account would be taken out of charge off status and I would gain access. I no longer trust this company and feel the company is highly unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporter act XXXX  accounts # XXXX, # XXXX, and # XXXX account has violated my rights 15 usc 1681 section 604 a section 2, i also state a consumer reporting agency can not furnish my account without my written instruction
Product: Credit reporting

1 ) i notified Experian that on XX/XX/2016 i sent XXXX XXXX XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA 807 ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by experian has not removed the report i sent 2 more letter to XXXX XXXX XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that experian remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.
Product: Credit card or prepaid card

I am unable to make a payment on my Wayfair/ Comenity Bank Credit card. Comenity closed my account about 3 years ago and I have no idea why. I have been making on time payments ever since. I have never missed a payment or been late. On one recorded line, a message gives me my balance and credit limit and states what my payment amount is, but then the phone is disconnected and I am unable to make a payment. On another recorded message, it says my account is closed and I will have to speak with a customer service agent. However their offices are closed. Their phone lines are down, their online customer support is down. I cant send a payment by mail, because a recorded message said there are no employees to receive the payments. I have spent hours of time trying to reach someone so that I can make a payment on my account.
Product: Money transfer, virtual currency, or money service

A paypal credit account was opened on my account on accident. I don't recall opening it or consenting to a credit account. I only discovered the account when I got a delinquent payment email. I paid the balance and promptly called Paypal to close the account. I believe the account was closed. 

I'm making this complaint because I believe its completely inappropriate ( and possibly illegal ) that an account was opened without my explicit consent.
Product: Debt collection

On XX/XX/year>2024 I filed a quit claim deed to revoke power of attorney from M & T Bank but they refuse to drop the auction even tho they don't have any power of attorney over my property..
Product: Debt collection

I have a debt collector from XXXX XXXX reaching out to me to collect a debt of around {$590.00}. This debt happened because when I switched cellular providers ( FROM XXXX XXXX XXXX XXXX XXXX ), I was told by the XXXX XXXX XXXX sales rep, who came to my house, that the remaining amount due for my phone would be paid of, by XXXX XXXX XXXX. I did not find out until years later that this was never taken care of. This debt collection is now severely affecting my credit. I am XXXX overseas right now and dont have the contracting paperwork that mentioned this agreement. However, I know this is what was promised to me by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment on my credit card reporting from XXXXXXXX. They bought the Credit Card section from XXXX bank. I have paid my credit card each and every month, when XXXX XXXX XXXX XXXX bought the Credit Card division from XXXX XXXX they did not transfer over the payments from my account to XXXX XXXX  for that month and gave me a late payment despite the fact that I paid the Credit Card. I have called XXXX several times to get them to correct the error on their end and remove the late payment becasue it has dropped my score XXXX points. The late payment occurred in XXXX of XXXX  despite the fact I paid the Credit Card with XXXX XXXX before it was transferred over to XXXX. 

I have disputed the account with the credit bureaus 2 times on XX/XX/XXXX and XX/XX/XXXX stating this : " Please remove the 1 late payment from my report. The error was on the end the XXXX. It was when they bought out XXXX Credit Cards ; I paid XXXX and the payment processing did not transfer and XXXX told me to dispute the inaccurate late payment with the bureaus so you will remove it since the error was on their end. '' The Credit Bureaus stated that XXXX validated the late payment is accurate which is false.
Product: Debt collection

Attempted to dispute my debt to all three credit bureaus. I received no debt validations of response. I've sent certified letters on dates XX/XX/2021 and XX/XX/2021. I also filed a non compliant notice certified on XX/XX/2021. i did not receive certified response from any bureau.
Product: Money transfer, virtual currency, or money service

The reason for filing is complaint is I sold a car but the fund mystically disappeared within two US bank accounts. 

The whole story : I sold one of my car to a local car dealership and received a check with {$21000.00} from the dealer. I made the first deposit with the check via an ATM on XX/XX/XXXX, and my bank record showed the check was reversed on XX/XX/XXXX because it was over the limit of depositing a check via an ATM. I received the check about one week later. And I deposited the return check over the counter of a local US bank branch and did what was asked from the branch account manager on XX/XX/XXXX. My account showed the check was returned again on XX/XX/XXXX. When I called US bank customer service hot line, I was told the check was returned because it was a duplicate check. The representative told me he was 100 % sure the fund was routed back to dealership 's bank account. But when I stopped by the dealership, their financial department told me the fund was not returned to their account. From what they could see from their account, that fund was showing was cashed on XX/XX/XXXX. And there was no any pending transactions or indication that the fund was going back to them. So I went back to a local branch on XX/XX/XXXX and tried to figure out. The branch account manager said she could only see the check was returned from my account and I should talk to the dealer 's financial department to initiate a claim from their side so that US bank can look into where the fund went. So I pushed the dealer to make a call with US bank and talked to their account manager to see what they can do. And I received the call from my dealer on XXXX XXXX and saying their account manager said the check was clear. The fund left their account and they wouldn't be able to provide more information on where the fund go. But they could see the fund was deposited into another US bank account. And so far I have made at least 4 calls with US bank, visited US bank branch for 3 times, called 4 times with my dealer and visited 3 times. And no one could tell me where the fund went and why it didn't deposit in my account and how the check was clear. US bank customer service just keeps tell me to go to my dealer and my dealer asks me to talk to US bank. But the fund is disappeared within US bank. 

Thank you for reading the long story! I did not expect it to be this long and time consuming to sell a car and receive the money either.
Product: Money transfer, virtual currency, or money service

Recently my Binance.US account got locked due to security concern. I raised a request to get my account unlocked and received a request to submit some documents/info so that it can be unlocked I promptly submitted required documentation and after i had to do couple of follow ups to hear back. At this point ( after a week ), they requested me to submit some documents again. 

Now after submitting all info again, i was told it has been sent for review. It is been more than 2 weeks now and all i hear from customer service team is that back office is working on it with no timeline to when my account will be unlocked. 

I have an urgent need to get access to funds and i am stuck causing a lot of stress Any help is appreciated
Product: Checking or savings account

{$150.00} was deposited into my checking account and the teller advised the funds would be available on the same day however they were not. I called the bank and after being hung up on twice and have agents on the other end of the line not respond 3 times when I finally did get to speak to someone I was told there was nothing that could be done because theres no record of the deposit. I was also badgered by an agent who asked for my social security number, joint name on the account and because I was unable to tell her the amount of my last deposit amount she refused to continue the call, she would not ask any other verifiable questions and advised no supervisor or manager was available after I requested to speak with one. Compass employees took no concern or interest in my missing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inquiries from Credit Report in accordance with the Fair Credit Reporting Act ( FCRA ) Dear Equifax XXXX XXXX, I hope this letter finds you well. I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and request the removal of certain inquiries from my credit report. After conducting a comprehensive review of my credit history, I have identified inquiries that I believe are no longer relevant or valid. 

As a consumer, I understand that inquiries can have an impact on my credit score and typically remain on my credit report for a specified period. However, I firmly believe that the following inquiries attached to this letter should no longer be listed : In accordance with the FCRA, I kindly request that Equifax conduct a thorough investigation into these inquiries and, if appropriate, remove them from my credit report. I have enclosed supporting documentation, such as cancellation letters, account closure confirmations, or any other relevant proof, to substantiate my claim that these inquiries are no longer valid. 

I understand that Equifax has an obligation to ensure the accuracy and fairness of credit reporting. It is essential that my credit report accurately reflects my creditworthiness and financial interactions. Therefore, I kindly request your prompt attention to this matter and a diligent review of the disputed inquiries. 

In accordance with the FCRA, I request that you provide me with a written explanation of the results of your investigation, along with an updated copy of my credit report reflecting the removal of the disputed inquiries. Additionally, I kindly ask that you notify any creditors who have accessed my report within the past six months of the corrections made to ensure the accuracy of their records. 

I trust that Equifax will handle this request in compliance with the FCRA, treating my case with the utmost professionalism and attention it deserves. I appreciate your commitment to fairness and accuracy in credit reporting and anticipate a swift resolution to this matter. 

Thank you for your prompt attention to this request. I look forward to a favorable resolution. 

Sincerely,
Product: Checking or savings account

The ATM at XXXX off of XXXX XXXX and XXXX in XXXX, AZ XXXX has been down too many times to count with no one around to have it fixed. It seems like everytime I go it's broken or out of service. Today for example I get there I'm waiting in line with the bank closed and no supervisor or support there at all. There was a XXXX man banging on the machine with his fists with no one stoping him. I thought to myself where is the store manager or bank manager to  stop this wreck less XXXX from destroying the ATM? When it was my turn to walk up to the ATM to do a simple transaction, it was out of service from the XXXX banging on it with no store supervision! I want to file a formal complaint. This location and mannor is unacceptable.
Product: Mortgage

I purchased a home in XXXX from a company and the refinanced in XXXX with another company. That mortgage was acquired by Wells Fargo in XXXX. I started making my payments to wells. I refinanced with Wells Fargo in XXXX and paid the mortgage off in XXXX. In applying for a Heloc with another bank, I discovered I still have an outstanding XXXX against my home from the original lender. Title companies wrote policies and no one cleared this old XXXX. XXXX refinanced me in XXXX and never said a word. I cant sell my home, my most valuable asset, nor can I get a line of credit to make repairs. I paid them for XXXX  years and the deal was my house would be mine, free and clear. I have addressed with them and they basically stated that I am out of luck and there is nothing they can do since the original lender was never affiliated with them. Now the original lender is out of business. Please help me clear my homes deed.