23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

access to my account, online and otherwise, was blocked as the bank issued a new debit card which was sent to my old address. Not hearing from me, the card was inactivated and consequently my access to my accounts was blocked. As requested by the bank I sent a notarised letter requesting a change of address. Tracking shows the bank received this letter on XX/XX/2016. Not receiving the card at my new address, I called the bank who claimed they did not get the notarised letter ( tracking confirms they did ). I sent another notarised letter which they received on XX/XX/XXXX Still I have not received the card to restore access to my accounts. I have called around 10 times and i keep getting all kinds of excuses -- basically, XXXX keeps sending it back to them. I asked them for tracking to verify what they claim -- they have never given me a single one, they claim that the numbers were erased. The address that they are supposed to send the debit card is EXACTLY THE SAME as I get my credit cards/letters from ( they are from the same bank ) and I have NEVER had a problem receiving them here. So why has the bank sent this debit card some 6 times and it never reaches its destination? Why are n't they giving me a tracking number? This situation has created serious problems. I have important purchases to make and I can neither get cash, write a check or use a ccredit card as they are all linked to my debit card! They received my letter with change of address on XX/XX/XXXX -- 3 months later I am still without a card and desperate!
Product: Credit reporting or other personal consumer reports

My names I used for XXXX XXXX XXXX was XXXX XXXX XXXX and XXXX XXXX XXXX I payed money on these accounts and never received any solutions to my credit report they told they couldnt find my account but took my money from XXXX until XXXX as far as I could remember
Product: Mortgage

GMAC Mortgage is who I originally took a mortgage out on this on at XXXX XXXX XXXX XXXX, XXXX, Ohio. Unfortunately after several years with a down market ( I 'm XXXX ), became XXXX, and on top of everything else, my husband abandoned my family and I. I worked closely with GMAC and after several months they issued a loan modification on the property, the problem was, was that once I received the documentation, neither the interest rate, the costs associated with the loan modification, nor the monthly payment was as I was promised. I called, and called and called and emailed and sent faxes to their loan department, and loan servicing department to no avail. At one point, I was able to get into another department 's extension, and spoke with a representative who at the time, told me that my loan was one of many which was in question as to how the modification process and the loan modification itself was processed and prepared, and that someone would be getting back to me on the matter soon. After several years, no one returned a call, no one returned my emails, nor my faxes and letters, I even kept the yard work up at the home, unfortunately the home is located in a high crime community, and vandals continued to break in, stole the hvac system, the electric panel, the hotwater tank, furnace, etc., but I felt it was my responsibility to take care of the property, keeping the grass cut, weeds down, etc., because I still wanted to keep my home. on XXXX XXXX, 2015, I received a letter by regular mail that my home was going to Sheriff Sale, by another bank/owner which appears to be a group of investors? No one phoned, called or discussed any changes in the mortgage co., nor servicing, and I feel this is desperately wrong, especially since I made every attempt possible to retain my home, I even sent photos of the condition of the home by photograph to GMAC to let them know I was still taking care of the home, and that I actually on several occasions boarded up the home with the hopes to offset the further attempts by vandals to destroy the home anymore, I am just please asking is this right, that they give me a fraudulent loan modification, they apparently sale the home or servicing/mortgage, and no one ever informed me, nor contacted me until just within the past few days indicating the property was going to sheriff sale. Please advise, and may God Bless you, sincerely yours, XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma reporting is very irresponsible. They put items on my file without investigation. I never receive verification they contacted the companies who are actually reporting about my credit with them If they had, I would not see companies I paid in full and cancelled their credit cards appearing back in my file with balances. This type of lack of reporting accurately has cost me to lose XXXX points within the last 20 days and they need to be held accountable for their total disregard of repirting accurate information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in the 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a text message in XXXX that I had a balance due on my Citi Bank credit card ending in XXXX. I paid the card off and had a {$0.00} balance. I looked at my account and there were 15 charges occurring from XXXX totaling an amount of {$530.00}. I immediately called the credit card company and reported the charges as fraudulent. They removed one of the charges to XXXX XXXX XXXX XXXX for {$11.00}. I further disputed the case sending them documentation were I work and I was working in a city 3 hours away on those dates. I am still going back and forth with the Citi Bank credit division. I filed a police report with XXXX Police Department, XXXX, TX. Report # XXXX with XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My Lease with a model X ended and I ordered a new Tesla X, the same model. I delivered the car the same day to the Tesla Service center where I picked up the new car. My car was inspected and every item that came with car was reviewed by the Tesla employee. The car was driven to a location 270 miles from where I delivered the car and was left negligently without electrical charge by the people managing the lease return. This information is available from a Tesla Car because the car is managed through the web and an application in your phone.

1-A few weeks later I receive an inspection report missing the charging cable, a damaged battery ( that was replaced new by Tesla a few months before ) and other items made up. Tesla now refuses to accept the responsibility and sends me to deal with the Leasing Bank. XXXX XXXX  can not attest if the cable was there or not. 
2- I was charged Lease for both cars even though the car was returned the same day that I picked up the new car. Tesla were the ones that determined the date of delivery of the old car and pick up the new car. They charged me for two weeks of two cars even though I only had one car.
Product: Checking or savings account

I deposit in the approx. month of XX/XX/year> a check from a XXXX XXXX XXXX account for {$6000.00} and it cleared after that XXXX XXXX decided that this check is fraud and they close his account, issuer of check says he never reported fraud on this check, and M & T bank claims that they returned the money to XXXX XXXXXXXX and XXXX XXXX claims that they never received this money, and then M & T closed my account because of this check when the issuer confirmed with them that its a good check
Product: Student loan

I started a student loan forgiveness program with XXXX XXXX XXXX aka Premier student loan center, aka XXXX XXXX  XXXX, XXXX XXXX XXXX, aka XXXX XXXX, XXXX  XXXX, and XXXX   XXXX  XXXX. I paid this company {$240.00} for five months starting in XX/XX/XXXX/XX/XX/XXXX. I made an payment of {$42.00} in XX/XX/XXXX. When I called to make an payment in XXXX, an automated recording stated that I have to contact XXXX. I have emailed them several times and I have not heard back from them as well. I do see on the complaint that consumer financial protection has an complaint out against them. I would like to check the status of this complaint. I have the supporting documents that states what I paid and whom I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX known knowledge, never had an account or contract i have XXXX XXXX XXXX XXXX XXXX, i have not applied for credit i have been sick with XXXX  for a year XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00} written off. {$73.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$53.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$100.00} Terms XXXX  On record until XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IM
MEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Checking or savings account

Cash app allowed a company to take my money then when I tried to dispute the transaction as fraudulent they denied my dispute they told me to contact them I did so but nothing was done in regards to this situation
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from your bureau and I am disputing the accuracy and completeness of certain information. This incorrect information is negatively affecting my credit report, and I request that it be corrected immediately. I believe 30 days is a reasonable timeframe for your investigation. Once the investigation is complete, please send me an updated credit report along with the names, addresses, and phone numbers of the individuals you contacted. 

I also request that you stop reporting these accounts as late on my credit report immediately. If this request is not honored, I may consider taking legal action against your agency. The details of the disputed information are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank is taking money from people without them knowing. I paid for unlimited plan but got put on pay as you go. So instead of 5 a month in fees. I have been paying XXXX per debit and XXXX pre credit transaction. Called and complained was refunded XXXX dollars for the past 2 days. Saying they were wrong, but if so why can I not get the rest that is owed
Product: Debt collection

I contact the collection agency by their email address and have not received any response, Please see below my dispute to FBCS , Inc : Ref No : Ref : XXXX " To Whom it may concern, This is Not my debt. I have never even heard of " XXXX XXXXXXXX XXXX  '' Nor ever had an account with them! I am very upset that you even sent a Collections letter to a XXXX XXXX, such as myself, and I am reporting your agency to the FTC at XXXX. unit. 


I am also sending a copy of your letter to my Attorney to see what recourse I have against the harassment and false accusations against me. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/2022 ''
Product: Money transfer, virtual currency, or money service

During the past year, I utilized the company, " Western Union '' ( WU ) to send money to a relative who lived in another state. In XXXX of XXXX, I noticed that my credit card company, XXXX XXXX XXXX XXXX ( XXXX ) 's monthly bill showed two charges from WU. One charge of {$690.00} I recognized as correct. However, the 2nd charge of {$170.00} was not authorized by me. I called WU and spoke to a representative ( rep ). The rep looked into their system and stated that their was no record of a charge of {$170.00}. The rep gave me a case number # XXXX and told me to send in any information to their on-line service with that case number. I went on line, gave the information and sent a copy of the XXXX bill. 
After a two week wait, I contacted WU again. I received another case number # XXXX. I resubmitted the information. This new rep stated that I should contact XXXX. I contacted XXXX and a rep stated that WU had received the {$170.00} and they stated they had the telephone data to prove it. For the next XXXX months, I went back and forth with XXXX and received XXXX more case numbers - # XXXX and # XXXX. My final interaction with WU was with their Fraud Division. The rep informed me that WU would have to hear from XXXX to verify the charge. The WU rep game a new case number # XXXX. I contacted XXXX and a Card Service Supervisor, XXXX XXXX stated that she would contact XXXX and verify the transaction. 
On XX/XX/year>, XXXX XXXX sent me an email message stating that she called WU. She spoke to an employee named XXXX, employee ID # XXXX. He gave her a new case number # XXXX. XXXX stated that WU would not provide me with a credit XXXX {$170.00}. XXXX also stated that WU had deactivated the account with my credit number.
Product: Credit card or prepaid card

I went to check on my credit card balance one day the end of XXXX and realized there were two charges I did not recognize. One was under {$200.00} ( can not remember the exact amount ) and from a XXXX or XXXX ( can not remember the exact store either ) The second charge was {$1700.00} from a XXXX XXXX. I have never shopped at a XXXX XXXX and I have proof of that by not even being a XXXX XXXX member or ever having made a purchase from them, which one can see by looking at my credit card purchasing history and debit card history. The charges were made XX/XX/23. I called Wells Fargo immediately and made a fraud claim. I spoke to a few different people and the smaller charge was taken care of immediately and I have not seen that on my statement since. The larger charge was taken off as well but then applied to my account again on XX/XX/23 and I was told it was found to be valid. I called Wells Fargo again after I realized what happened ( was not informed that the charge was found valid ) and asked to open another fraud claim. I requested to speak to a fraud investigator but was declined and told I would get a letter with action steps. I received the letter and was informed I could go into a Wells Fargo location to speak with someone. While the person I spoke with was kind, he was no help whatsoever. I found out again that the second fraud claim I made was again not in my favor by a letter dated XX/XX/XXXX. I did not receive the letter till this week. The card that is in question was an upgrade of one I have. I never received this card. It has never been in my possession. I did not request this card nor do I want it. I have had a credit card with Wells Fargo for 9-10 years ( can not remember exactly ) and now use it exclusively for the last year or so for XXXX purchases , my XXXX XXXX on my phone, and it used to have my gyms reoccurring payment as well ( no longer. ) I am extremely frustrated and feel like Im not being heard. No one at Wells Fargo wants to hear why this charge is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Agency.

This letter is a formal complaint that you are in direct violation of my privacy rights.

I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 


Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove. 


Thank you for your time, XXXX XXXX XXXX
Product: Checking or savings account

First let me say I have tried several times to work with the bank about my account and they will not help me. My purse and phone was stolen and someone stole the money from my account I have emails showing where someone from another state logged into my account from a different device and I sent my bank the emails the bank also sends me text messages along if I am the one trying to use my card and I reply no and they still will not help me. I have XXXX  XXXX and XXXX XXXX and have lost my home because of this and having to sleep in a tent and I'm getting very sick. Please someone help me. This complaint is with Chime bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX  XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I was sent a card with a different number than the one listed for me under my account with the WA unemployment. It's impossible to get ahold of Key2benefits to resolve this.
Product: Mortgage

I am in the final stages of purchasing my home loan and the lender ( XXXX XXXX ) is not able to pull my credit report. They are receiving an error message that says that my file has been blocked or frozen. We have unsuccessfully tried to have this file pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and i have called at least four times a week on the weeks beginning XX/XX/XXXX & XX/XX/XXXX.
Product: Mortgage

Wells Fargo is not working with me at all! I have filed charges before and all they do is send me copies of past modified they have done! they have tried to sale my house from under me! Saying they sent letters to me which was untrue! I have showed extra income needed and they still wo n't help! This has been going on with a very large past due owed on my little house and the appraisal is n't for a legal duplex all! Someone wants my house badly enough I will do whatever it takes to save my house! These banks take advantage of people and it 's not fair! Help me please! XXXX XXXX