23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I made XXXX payments on a charged off account under the name XXXX XXXX XXXX XXXX for {$250.00} and the other for {$250.00}. The total of these XXXX payments came up to {$510.00} which was the settlement amount for this account. I uploaded the receipt and letter I received from the debt collector showing the {$0.00} balance but Experian has failed to correct it on my credit report. The same is true for a different charge off account [ XXXX ] that I paid on XX/XX/year>. I paid the balance owed in full and uploaded the receipt email but my credit report does not show that.
Product: Debt collection

My mother passed away XX/XX/2021. I contacted all of her creditors. XXXX XXXX was insisting that they be paid and asked if she had an estate. I explained to them that she did not have an estate. As a result, they sold the debt to DCM Services , LLC. If DCM wants to collect, they can go to the cemetery where she is buried. I had the mail stopped by them, but they continue to call. I want this company to stop contacting me thinking they are going to collect off of my deceased mother. Utterly disrespectful.
Product: Credit reporting or other personal consumer reports

XXXX sent an account that is not mine to XXXXXXXX XXXX XXXX, a third party collection agency. XXXXXXXX XXXX XXXXXXXX added this {$110.00} collection account to my credit file. I have not had insurance with XXXX in over 10 years at least. XXXX is my insurance company. I have not received any correspondence from XXXX or XXXXXXXX XXXX XXXXXXXX at my address at XXXX XXXX XXXX XXXX, XXXX, SC XXXX. I have talked with a representative from XXXXXXXX XXXX XXXXXXXX and they had the wrong address on file.
Product: Credit card

Returned item to XXXX and purchase was not refunded to XXXX Credit Line administered by Synchrony Bank.
Product: Money transfer, virtual currency, or money service

Cash app closed my accounts saying I violated their terms and agreements and they will not disclose what I did to violate or what transaction violated. I have ask several times and they will not tell me anything they did give some examples like gambling, online XXXX  XXXX etc. but with that being said by cash app they allow their platform to be used by an app that people can buy XXXX from cash app funds to funds their account for online gambling connected and linked to cash app. So is that not illegal?? I didn't do anything wrong as I have read these is a common thing that cash app does to a lot of consumers. Does cash app make their own laws? Looks like they get away with a lot of things. It's hard to dispute a transaction with them. Almost always the deny a dispute if you submit XXXX. They let people fraud your accounts easily and won't stop someone from taking money out of your account even after you tell them it's not you. So you have to have your card locked always and almost XXXX. % of time you unlock it to makea transaction before you can lock it back they have already took money just in a matter of seconds. I believe cash app is behind the hackers or whomever is doing this to people. It just amazes me that almost Everytime someone unlocks their card money disappears what the people just sit there and keep trying to take your money. I think it's a coincidence and believe cash app is involved somehow stealing people 's money on the backend somehow disguised. I think cash app should have more laws that they have to adhere to. Especially with so many people moving money through them and how they conduct their business. I want disclosure as to why I had my accounts closed.. I believe I should have that right. And I believe everyone that has accounts closed should receive some compensation for them not disclosing information that they accused us of doing. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates reported are completely incorrect by years. This debt was from XX/XX/2014.
Product: Checking or savings account

I used my debit card at a atm and my funds never dispensed out the atm machine for {$XXXX} on XX/XX/XXXX, XXXX called chime and disputed the transaction but the declined the dispute without a proper investigation so I filed a appeal on their decision
Product: Credit reporting, credit repair services, or other personal consumer reports

Report from : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Please wait... 
XXXX XXXX XXXX Print report 525 Calculated using VantageScore 3.0 Provided by TransUnion Personal Information NAMES REPORTED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYMENT INFO SXXXX XXXX XXXX XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts Here 's every account on your TransUnion report. Click on the account name for more details. 

See an error? 
You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 

XXXX XXXX XXXX XXXXXXXX XXXX  Reported : XX/XX/XXXX + {$490.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$110.00} Closed XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$140.00} Closed OTHER LOANS XXXX Reported : XX/XX/XXXX + {$430.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX Collections
Product: Credit card

On XXXX XXXX, I purchased a clock radio from XXXX XXXX for {$110.00} on line. I paid by credit card, and delivery was promised within XXXX - 7 days. We allowed about 2 weeks for delivery ; however, the merchandise never arrived. At which point, I made several attempts to contact XXXX ; however, the phone number has been disconnected, and the website taken down. When we received our XXXX credit card statement showing the {$110.00} charge I immediately contacted Elan ( XXXX XXXX ) of XXXX ND to have the charge reversed. I was told they would send a dispute, and once completed I should fax it back to XXXX XXXX XXXX completed the form and faxed it back, several weeks later XXXX called and said they did n't have it. Again I faxed it back. In XXXX, the charge again appeared on my card statement. I contacted XXXX who said they did n't have the form, so they are charging us, but we can still send in the form for consideration. On XXXX XXXX I faxed the form again. On XXXX XXXX, XXXX left a message saying since it 's been so long, we would need to provide more information for the dispute to be considered. On the evening of XXXX XXXX, I called Elan, and granted permission for my husband to speak on behalf. He was told we needed to contact XXXX XXXX again to try to resolve the dispute. Again, the phone has been disconnected, and the website has been taken down. My husband was told they have to follow XXXX 's rules. Further XXXX will contact us in XXXX - 48 hours. I understand rules, but there is nothing more I can do. I have always paid my bills on-time. Further, I do n't routinely file billing disputes, so I expect to be treated fairly by Elan. I want the charge removed from my account, and expect I will not be charged any interest for the period of time it 's on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

False information stolen identity it wasnt mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Three years ago, I opened a SAVINGS ACCOUNT at Wells Fargo -XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX I enter the bank with a cashiers check that I had received from a customer Drawn on XXXX XXXX XXXX XXXX, I felt it was weird to receive payment from a bank with no Minnesota Branches ( at that time ) I ask my personal banker to call and to verify that this in fact was a good cashiers check ( {$1800.00} ) she did and confirmed it was good. I then deposited in my account, the next day I returned to withdraw some of my money to pay bills. three days later I came to the bank to make a deposit and Wells Fargo had closed my SAVINGS ACCOUNT. I heard nothing more from Wells Fargo!! Within the last week, I went to a local bank to open a new Business Checking Account. I found that my name XXXX XXXX is on this black list " XXXX XXXX '' and as turned down by because money owed to Wells Fargo. Wells has every right to collect any money owed to them and had every right to close my account even thou they verified my deposit, BUT AS I READ THE RULES AND LAWS, NO ONE HAS THE RIGHT TO BLACK LIST ME AND MY NAME ON A DEPOSIT THAT WAS APPROVED BY WELLS FARGO- I have file with the OCC and repeatedly spoke to the branch and branch mgr XXXX XXXX and she says its proper to blacklist me! 
I PRAY FOR YOUR IMMEDIATE HELP IN HELPING ME CLEAR MY NAME IN THE MATTER AND GETTING MY NAME OFF THIS " XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending club incorrectly marked my credit line with a XXXX late mark while my account was in forbearance during the month of XXXX and XXXX until XX/XX/XXXX with an additional 15 day buffer. I have made multiple attempts at speaking with lending club and their manager refuse to help, their number listed on the credit report is a fax. Ive filed many complaints and no resolutions have been made
Product: Credit card or prepaid card

Hello, as I continue to research my rights, I find Ive been exploited and taken advantage of by various companies. The company I am seeking relief from is Discover Bank. I opened a secured credit card XX/XX/21 with this company. A secured credit card is permissible by me providing the amount of credit allotted to me. I had supplied the {$500.00} for the {$500.00} line of credit I received. Long story short, I came upon financial hardship especially due to COVID 19 and how it affected my working hours. I missed some payments and Discover Bank closed my account due to this XX/XX/21 and also is attempting to collect {$670.00} from me per my consumer report which may be false as I havent received any statement from Discover Bank. All in all, how am I being charged anything when I gave the initial {$500.00} of credit in addition to my open end credit card aka my social security number. This company has received their payment and they are trying to take advantage of me and get more payment for money theyve already received. Also closing my account due to me having difficulty paying on the account due to COVID 19 and negatively impacting my credit score when again this company is not in any deficit with my account. This is not right and now I am seeking a just remedy to this issue.
Product: Checking or savings account

Citizens bank is awful. They have done nothing to change the fraudulent activity happening in mine and my husbands accounts. On four different days, someone has hacked our savings account, making multiple withdrawals. First one was for XXXX, second one was XXXX, after freezing the accounts whoever is doing this was able to withdrawal another XXXX and another XXXX. I am extremely frustrated with this situation. Its unacceptable that its not being taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints against Transunion. They keep lying and saying they are verifying account information on my report without telling me who they verified with. I sent them proof that my student loan was not late in  XXXX     2017  as it was in forbearance. They updated my payment status, and I sent them another letter to verify the other  XXXX  payments that they have listed late. Instead of them actually verifying, they just updated my payments again to show late in  XXXX . AGAIN I am attaching documents directly from  XXXX  that shows my account was in forbearance! Transunion needs to be held accountable for lying and telling consumers they have verified information, when in fact they have NOT!
Product: Prepaid card

I am submitting this complaint regarding a prepaid gift card I received as a gift three years ago. The card originally had a {$200.00} balance, but when I tried to check the balance today, I encountered an error on the website ( XXXX ). I called the customer service number on the back of the card ( XXXX ) to resolve the issue, and the representative informed me that the card is now closed with a balance of {$0.00}. They could not provide any further explanation or assistance, and the call ended abruptly. 

I have never used this card. The expiration date listed on the card is XX/XX/2028, and the card explicitly states that Funds dont expire, No inactivity fee. Based on this, I believe that my balance should not have been depleted or the card closed due to inactivity. 

I request a full investigation into this matter and that the {$200.00} balance be restored to me. I would also appreciate a clear explanation of why this happened and how such issues can be prevented in the future. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I been on a XXXX disaster forbearance since XX/XX/2023. My eligibility is based on my place of business/employment was negatively financially impacted in the county of XXXX CA XXXX Zip code XXXX. My primary residence is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The property XXXX mortgaged with XXXX is located in XXXX XXXX XXXX XXXX XXXX over. My investor is XXXX XXXX, it's one of their qualifying criteria to be on a forbearance plan for up to 12 month. 3 months into my plan I called in on XX/XX/2023 to ask for an extension. I received no reply back until XX/XX/2023 when XXXX served me a notice of default. Then on XX/XX/2023 I called XXXX loss mitigation to check on my status the customer service rep said my loss mitigation case is closed with no reason or explanation given.
Product: Checking or savings account

Around XXXX XXXX,2016, I opened a new account at XXXX XXXX wishing to receive the opening account bonus of {$350.00}. The banker told me that the minimum requirement is {$10000.00} for 90 days. She also told me that the {$10000.00} can be in this account or other account like investment account of HSBC and advocated me to open an investment account. Half a year past, I still fail to receive this bonus. So I contacted an agent online a week ago and she said that I should receive this bonus this week. However, today when I contacted them again, another agent said I did n't meet the requirement since money in investment account are not included for receiving this bonus!! 

The banker is cheating and I also feel very frustrated. Could you help me dealing with this?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

In accordance with Fair Credit Reporting Act XXXX accounts 1. XXXX XXXX XXXX # XXXX  XXXX 2. XXXX  XXXX  # XXXX  XXXX 3. XXXX XXXX  # XXXX  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 permission. 


I also have a derogatory mark that was caused account number XXXX. Listed above. 


I also have disputed removing my hard inquiries from my account and they have not done that for me either.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate 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: Debt collection

On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX XXXXXXXX a validation of debt letter ( see attached validation letter ) for an alleged debt that was reporting on my XXXX, XXXX and XXXX reports. XXXX XXXX XXXX   XXXX never sent any mail stating that was a debt collector attempting to collect this alleged debt, I only found out about such debt by review my credit report. 

In the debt validation letter I requested that XXXX XXXX XXXX XXXXXXXX give me the name, telephone number and address of original creditor along with other competent documents that give proves that I owe the alleged debt, XXXX XXXX XXXX XXXXXXXX has not responded to my debt validation letter, but yet still reporting this alleged debt to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX ,  XXXX  {$280.00}  XXXX   XXXX   XXXX ,  XXXX  {$83.00} These  XXXX  account are to me removed from my credit file!   This is not a dispute and no remarks relating to dispute are permitted to be placed on my credit report!  <P/> These accounts were opened without my knowledge and were never to be in my name! I have already had them removed from  XXXX  as well as  XXXX  However Equifax refuses to remove them!  <P/> I want these removed from my file completely as there was never any agreement from me for these accounts to be in my name or reported to my credit files!  <P/> Again I just want them removed as they are illegally reported and reporting on my credit file with Equifax! This is not a " dispute '' and is not to be reported as such on my file!
Product: Debt collection

Refuse to validate account this is not my account this company is reporting twice on my credit for the same account remove both accounts please validate or remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. 

We have confirmed our mortgage is owned by XXXX XXXX and was eligible for Covid-19 forbearance program starting XX/XX/2020 via the CARES Act. Per the CARES Act, all eligible mortgages were granted a maximum 18 month forbearance. 

On XX/XX/2020 we contacted our previous mortgage servicer ( Dovenmuehle Mortgage, Inc. ) about covid-19 forbearance. They gave us the run around from the start ( threating us with foreclosure ), but eventually transferred our mortgage service to XXXXXXXX XXXX in XX/XX/2020. 

Meanwhile, since we had a legally standing maximum forbearance of 18 months per the CARES Act, all servicers were prohibited from reporting any negative adverse actions to any credit agencies during this period. 

Recently we went to obtain our credit reports and Dovenmuehle reported our payment status as 120 days delinquent on XX/XX/2020 ; which greatly affected our FICO scores. 

How do we remedy this since they are no longer the servicer of our mortgage? 
Thanks.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX cash app closed my account for no reason I asked them what the reason of them closing my account they just said it was a violation I have money on my account I been trying to get this money off my account for a month I was told to cancel my debit card and get a new one and I should be able to cash out so I did so and it still would let me cash out it said I need to talk to support so I sent a email never got a response so I made a new account and they connected me back instantly since then cash app been giving me the run around Ive talked to many different people that work for app through email and over the phone Ive asked to speak with a supervisor and they refuse to give me one to talk to all I want is my money off the account please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX