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

On XXXX, I applied for a mortgage and if this is not resolved, I will be declined due to an account misreporting on my credit report. 

Late last year, XXXX or XXXX of 2017, I paid off a Walmart charge card in full by contacting the creditor directly and making a payment with their representative. During this time, I had also purchased a new home and moved to a new address. I confirmed during over an hour long string of conversations with Synchrony Bank ( Walmart change card service provider ) that the creditor had received a US Postal return and that they never updated my account with the correct address to properly notify me of an amount due. I was never contacted via telephone or mail that there was a balance/charge on this account. The charge appears to be an annual service fee or some known charge based on the credit report I was able to review with my mortgage broker. My broker and I conferenced called the creditor at the number provided by the credit report : Walmart XXXX. We were then transferred and disconnected to another department XXXX. We were on the phone for over an hour, transferred to several representatives that continued to say sorry for their mistake, but could not resolve the issue. Then we were told to call the account resolution department at XXXX. This department then informed us that they no longer have access to the account and that we need to call XXXX XXXX at XXXX. 
The following morning, I called XXXX XXXX and was told it takes three days to " unlock '' the account so they can speak to me about it. 
Today, I called XXXX XXXX  and they confirmed they purchased the account on XX/XX/XXXX. They gave me a balance of {$57.00}, which I have decided to pay immediately as to not further damage my credit. XXXX XXXX  is not currently reporting the account as of the report pulled on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. I has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

An erroneous item Bankrupty with on my credit report involving a judgment that the credit bureaus are claiming they verified through you. Federal Courts do not share this information with 3 Parties / Lexisnexis. Im aware such information is public information and they sold that information to my credit reports
Product: Mortgage

My property taxes were due XX/XX/XXXX, and they were not paid. I received a notice from the XXXX County Tax Assessors office in XX/XX/XXXX that the taxes were not paid and incurred a penalty fee. I called my mortgage company, Loan Care, and they stated they would take care of it and incur the penalty fee. They did not supposedly pay until XX/XX/XXXX,  per my monthly statement. On XX/XX/XXXX, I received a call from XXXX XXXX with the XXXX County Tax Assessors office that my property taxes were not paid. I called Loan Care that day and was told there is no one I can talk to and that I have to submit an email to XXXX with the issue. I submitted the email that the taxes have not been paid and they need to submit proof of payment including the parcel ID ( XXXX ) to XXXX. I received a confirmation email from them with a reference number of XXXX and it could take 15 business days to for research to be completed. I emailed them again, XX/XX/XXXX, with the above reference number, that no one has reached out about the property taxes issue and this is an urgent matter. I spoke with XXXX on XX/XX/XXXX and told it would be XX/XX/XXXX for an answer as it was still under review. XX/XX/XXXX I spoke with XXXX and told review is in progress and reopened on XX/XX/XXXX with a close date of XX/XX/XXXX but awaiting " XXXX '' to be removed. She did not know what " XXXX '' meant. On XX/XX/XXXX I spoke with XXXX and told she would send this to the manager but it would be 3-4 business days for a response but probably 4 days. She said she is in Virginia and they are in Florida so it is not like she can just go talk to them. I am growing more frustrated because I am unable to talk to anyone with authority to tell me what the problem is and why it has not been resolved. All they need to do is forward a copy of the payment with parcel ID to the email I provided. The current technology would allow this to be done in a matter of minutes via email. Any help would be appreciated. 
Thanks, XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2024 I am home cooking breakfast and I realize I dont have a few ingredients so I go to the local XXXX near my home and spend {$10.00}. This is a regular work for me. I make breakfast and Im not scheduled to work until the afternoon so I am home lounging. I get a notification that I attempted to spend {$200.00} in XXXX in XXXX XXXX. I immediately respond no to the text message notification. I then go on the Bank of America application and its been multiple transactions thats occurring in XXXX XXXX. The XXXX transaction occurred that morning at bagel shop for {$5.00}. The XXXX  transaction is listed at XXXX XXXX XXXX. The third transaction is listed as XXXX XXXX XXXX XXXX XXXX  XXXX. I immediately call Bank of America and let them know Ive never in life been to XXXX XXXX and if they can check my account I was at my local XXXX during those transactions and its impossible for any human being to be in XXXX XXXX and XXXX  within that small not even XXXX hour time frame. I genuinely thought it was going to go smoothly because its purely impossible. I was told from the representative that hes creating a case and I will receive a credit in XXXX days, this all occurred on Thursday XXXX XXXX 2024. I await XXXX business days and no credit was provided. Therefore, I call back and the lady tells me that because it is my first dispute with the company it will take a solid XXXX business days and I will receive the provisional credit on XXXX XXXX, 2024. On XXXX XXXX, 2024 I check the Bank Of America app to check the status and the claim was denied and provisional credit was denied. I call Bank of America to speak with them and they simply tell me was denied because they were mobile phone purchases and nothing can be done and no credit would be provided. I was hysterically crying and felt soooooooooo unprotected. The next day on XXXX XXXX 2024 I went up to my branch to speak with someone about this and she stated what they had told me was wrong and they have to open back up my case. So I call the BOA dispute team once and they inform me they can open the case it will take XXXX business days and no provisional credit would be provided. I explained to them I am going through a hardship and if they could please help, but they were very cold and not helpful during the situation. The dispute team told me incorrect information multiple times to just get me off the phone and allowed someone to shop in XXXX XXXX on my debit card and it took them XXXX transactions to even notice it was fraud. I banked with this company because I meet branch manager and she made me feel safe. But this case was so ugly unprofessional and cold to ever treat your customers this way.. I feel so unprotected and I wouldnt want others going through this. I included photos of the transactions and the day it all occurred. I would like this case actually investigated, they are able to check IP addresses and also phone numbers. It seems like they didnt even investigate the case, just denied it because Ive never in life been to new york neither has my cell phone or debit card
Product: Money transfer, virtual currency, or money service

I've been using Coinbase.com and their app for over 3.5 years now all in the same way of purchasing XXXX when I get paid or have extra income and then will deposit into my traditional checking account. 

Last night -- XX/XX/31 -- I received an email via coinbase that my photo ID had been approved but I never submitted it outside of when I needed to reauthenticate my account over a year ago and when I first signed up. From here, seconds later, I received " notice of account closure '' but they won't tell me why -- and if you look online this has been happening nonstop to many members who have been using the platform for years.
Product: Checking or savings account

Good afternoon, USAA is unwilling or unable process an ACH transaction so that I can send money from my USAA bank account to my XXXX XXXX XXXX account - a routine transaction ( XXXX XXXX ACH transactions each quarter in the US ) that most banks do at little or no cost. Alternatively, USAA offered to charge me {$30.00} for a wire transfer or to contact XXXX XXXX ( who presumably isn't a charity and would charge me high fees ). 

I spoke with numerous representatives at USAA of increasing seniority and all told me the same story ( above ). 

Surely, I am not a unique USAA customer and many others are being unnecessarily directed to complete wire transfers or other expensive transactions that benefit USAA 's revenues. 

Thank you for your help XXXX XXXX
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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : FEDERAL DEPOSITE INSURANCE XXXXXXXX XXXX XXXX COMPTROLLER OF CURRENCY CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me.

2. Provide me a certified copy or an original contract, with my signature.

a. Certification can be done through the presence of a Notary Public, who duly swears that the copy is a copy of the original contract in question.

3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place.

a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly.

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you.

By the provisions of the Fair Credit Reporting Act, I dema
nd that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who 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.
Product: Checking or savings account

I deposited checks of {$160000.00} into my Bank of America account on XXXX XXXX. After XXXX weeks check cleared and I withdrew {$11000.00} and I had a balance of {$150000.00} I wired {$140000.00} to purchase goods and services and bank held my account. I went to the bank they told me theyre investigating into the matter, after about a week I went to the bank again and they told me theyre still investigating. I called bank and they linked me with fraud department, they told me sender of check made a claim which isnt true. After 2 days I called again they told me theres no claim and that my account has no problem so theyll send me a check of closing balance. Since XX/XX/XXXX till XX/XX/year> Ive not received the check. When I call, they just tell me to keep calling back because theyre still investigating into it. Its 8 to 9 months and my money is still stuck with Bank of America
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX XXXX. I mailed a certified letter to XXXX on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, XXXX responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that XXXX is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to XXXX advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. XXXX has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. Equifax, XXXX and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.
Product: Credit card or prepaid card

At the beginning of 2019, I called Capital One and had my payment Date changed from the XX/XX/XXXX of every Month to the XX/XX/XXXX of every Month. This is inline with my pay dates as well as budget constraints. 

On the XX/XX/XXXX, I called Capital One to make my XX/XX/XXXX payment. I was advised by recording I owed {$60.00} due XX/XX/XXXX. This is 1. not my payment date and 2.exceeds the minimum monthly payment. 

I than spoke to a frontline agent who kept advising she could do nothing and read a statement in regards to payment dates. I than escalated the call and spoke to the " Supervisor '' who stated " some '' cards had their payment dates changed. She also advised it would take multiple cycles to change my payment date back to the XX/XX/XXXX and that the XX/XX/XXXX would be my payment date going forward. 

This in essence puts me back to where I started Months ago. I will have multiple late fees on the account due to not being able to hit the 1st. payment Date and as such will not be able to change the payment Date. 

I would also like to know why my card was singled out from the rest to have the payments changed? Are the other people who did not have their Dates changed going to have late fees assessed as I am going to? 

I feel like this was a deceptive act to appease me by amending it originally, than moving it right back knowing I initially moved it for a reason.
Product: Money transfer, virtual currency, or money service

I found concert tickets on sale on XXXX events and communicated with the seller through XXXX XXXX. They asked me to pay through friends and family on PayPal. I sent {$120.00} to XXXX and they kept stalling and saying the tickets would not send through XXXX or email so I reached out to PayPal while the transaction was pending and said do not release the money that it was becoming clear this was a scam. PayPal sent the money and I opened a dispute and they have already closed the dispute. This is not right. PayPal promises 24 hour surveillance and I communicated with them before the money was released. They claim to be concerned with our security yet they ignored my live chats and disregarded my pleas. I thought PayPal was trustworthy. Thats the only reason I felt safe sending the money. Ive never used PayPal before and was told by my Aunt that PayPal ensures safety of transactions. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint in regard to unauthorized inquiries on my account. I did not receive any money for these inquiries or applied for these services. I recently summited a complaint and it was dismissed. This is me XXXX XXXX XXXX that's filing this report no one else. 

XXXX - XXXX SERVICE Inquired on XXXX XXXX, XXXX Business Type XXXX XXXX XXXX  Card XXXX. 

XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX Inquired XXXX XX/XX/XXXX Business Type : Banks and XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Bureaus Letter Last XX/XX/2022 however, it appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a XXXX purchase for vintage clothing that was to be shipped to me immediately after purchase in the amount of {$130.00} with the description for clothes. The merchant never sent the items and I sent a XXXX XXXX request for the amount I paid which was rejected. 
I contacted the merchant several times with no response for a refund ( email and social media which I can furnish proof ) Ive since filed several claims with XXXX and each time has been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX thats as far as i could go on my phone but there are several more ). I also filed claims with my funding bank ( PNC ) on 2 occasions which were both denied as well which i truly dont understand. I dont think its fair that its going on 7 months and both PNC and XXXX continue to give me the run around on processing this fraud request.
Product: Debt collection

Midland Credit Management has been sending me collection letters for a past due amount of approximately {$430.00}, that I do not owe. This is a bill from many years ago- approximately 6 or 7 years.They are saying ( when I called them ) that the bill is from a store ( XXXX 's / XXXX XXXX  XXXX that is no longer in business. 

XXXX ) I paid the bill -that was approximately {$120.00} years ago at my local XXXXXXXX XXXX store. 
XXXX ) No -- I do not have a receipt now as it has been many years. 
XXXX ) I offered to pay the original amount just to get it off my credit report but that was refused by Midland Management.