23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

About 5 and a half years ago my wife and I tool out a loan against her car from Wells Fargo Auto Finance. Shortly thereafter I declared chapter XXXX but specifically excluded this loan from the process because my wife and I got a legal separation and the car was hers and the payment was being taken out of her bank account. When notified of my chapter XXXX declaration Wells Fargo stopped taking the monthly payments from my wife 's bank account. I was not aware of this for several months and my wife did n't notice that Wells Fargo had stopped the automatic withdrawals from her bank account. Neither myself or my wife or the trustee had told Wells Fargo to stop the withdrawals. It has been well over 5 years since they stopped the withdrawals. Neither my wife or me has heard any communication from Wells Fargo concerning this matter. My question is can we request Wells Fargo to sign off as a lien holder in order to get the pink slip? Has the statute of limitations expired?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened up fraudulent accounts in my name. I have tried to reach out to XXXX, XXXX XXXX Equifax to dispute and they haven't made the changes to remove these fraudulent accounts. I am attaching a FTC report that i have filed. Please remove these fraudulent accounts.
Product: Student loan

Im a co signer for my daughter I co-signed 2 loans.at Discover student loans They transferred the loans to XXXX XXXX. I paid {$6000.00} to Discover on XX/XX/XXXX. No one can find that payment. One lady said she found the {$6000.00} But it was applied to a different co-signer for my daughter. I also paid 3 payments of {$500.00} on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Now they have found 2 of the {$500.00}. I also had to pay an additional {$4.00}, XXXX. XXXX. When she went to a semester in XXXX. I also filed a formal complaint with XXXX XXXX but Im still have not received the full amount of missing payments
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Vehicle loan or lease

I purchased a new vehicle back in XX/XX/XXXX from a XXXX dealership in XXXX, NY. I traded in a XXXX XXXX XXXX. I had a balance remaining. I made my last payment in the amount of {$340.00} on XX/XX/XXXX. The XXXX dealership paid the remaining balance off. They mailed a check to GM Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX in the amount of {$3700.00}. The check was cashed by GM on XX/XX/XXXX. I have copies of the deposited check. GM was over paid by {$590.00}. I have contacted GM several times regarding my refund. I still as of today XX/XX/XXXX have not received the refund. I was now told that GM will  not process the check until XX/XX/XXXX. This is unacceptable. I paid this vehicle off 2 1/2 months ago. I should not have to wait this long for my money. As I'm writing this complaint GM has me on hold. I can not believe they can take advantage of a consumer by holding their funds for an extended period of time. They just hung up on me after waiting over 15 minutes on hold. Please have them expedite my refund. I do not want to wait until next year. If you need copies of the documentation I have all of it. 
Thank you XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 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 that recovering lost funds is 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I recently discovered that I am a victim of identity theft. I ordered a copy of my credit report and noticed accounts that I have not authorized or opened. The name of those accounts are XXXX XXXX account # XXXX, XXXX XXXXXXXXXXXX XXXX account XXXX XXXX, XXXXXXXX XXXX  account # XXXX and XXXX XXXX  account # XXXX. The inquiries are XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX and XXXX. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS! Ive also included a copy of my police report, which was instructed by a XXXX XXXXXXXX to do so.
Product: Checking or savings account

On XX/XX/24 we deposited {$730.00} into our checking account. When we went to pay for our car tags our card was declined. We went to bank ATM and could not withdraw funds. We went inside the bank and was informed there was a hold on our account due to it being overdrawn. This has never happened before when we had been overdrawn. Then we were told our money would be available the next day, Saturday, it wasn't and when we again contacted the bank we were told that it would be late Sunday or Monday morning when bank opened. As of XXXX XXXX  on XX/XX/24 we still can not access our funds, we have been told now that it maybe Tuesday or Wednesday before funds become available. Our creditors want to be paid and this will make us late on payment and even cause repossion of products we need. This is highly unacceptable, and we should not have to wait 3 days for money. Also we should not be charged for mobile deposits, which are never the XXXX but our checks are always the same mount. Regions Bank is the worst bank ever.
Product: Checking or savings account

I was told my account would be closed in XXXX never got closed. Was told something different never could get my funds out. Had to go with out many times and can not get my funds out. Had to pay my worker and couldnt do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old addresses old debts and Bankruptcy whom is requesting that be on credit report?
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Account type - Credit card Date opened - XXXX XXXX, 2020 Address CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Above Account created under CAPITAL ONE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank ( now Bread Financial ) supposedly had issues with their system upgrade starting back around XXXX or XXXX of XXXX When I tried to log on and pay my bill in XXXX I discovered the issues, which the company readily admitted through social media posts and comments to customer complaints listed there. I was finally able to log on and made a minimum payment. My account has always been in good standing. However, in XXXX this company hard-pulled my credit WITHOUT MY PERMISSION and NOT PER MY REQUEST. I decided at that time I might be in danger of identity theft and placed a credit freeze through XXXX, paid off the entire Comenity Balance and closed that account. Though the company did send a physical letter to my home address stating the account was closed and they would report to the credit bureaus, they have not done so now close to three months later. Not only does this account still show as open on my credit report, it shows that I owe a balance. This company also tried to charge me interest and late charges when the pay-off was made well before the due date and never been late. I did finally get them to refund those charges. Today I called again and asked why they are showing this as an open account and with a balance. I could not get a straight answer as to when it will be removed on my credit report, and these are unfair, corrupt and possibly illegal credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2019, there was an error in the conduent loan computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from Conduent. When I tried to call Conduent back, the number is disconnected and they have moved my loan to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from XXXXLending dated XX/XX/2023 that they conducted a soft pull and denied vehicle financing based on loan originator XXXX I do not remember going to XXXX and providing them my social security number or even last four of my social for this exercise. 

I called XXXXLending and they asked me to contact XXXX. I was on phone with both companies and they are not able to verify or confirm who, why the soft credit pull was done. 

Please investigate it as a business malpractice.
Product: Credit card or prepaid card

JP MORGAN CHASE CREDIT CARD REWARDS COMPLAINT On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was in the process of redeeming my XXXX reward points on the Chase Sapphire Preferred credit card when the online system kept on returning an error message each time I was ready to execute the final checkout step. My points are worth {$5200.00} if redeemed for air travel. The error message on the screen informs customer to call the customer service number on the back of the chase credit card. 

However, once the customer service picks the phone, they transfer customer to the travel agents. The travel agent then prefers to complete my booking manually and gets the same error message from their side. The travel agents then transfer me back to customer serviceand the run around recycles. The courteous travel agent decided to transfer me to a supervisor at that point. 

I decided to file complaint after three rounds of the same results when the initial supervisor ( XXXX ) concluded the problem was not with the Chase Rewards systembut was with the vendor ( XXXX XXXX ) and therefore it was best for me ( the CUSTOMER ) to call the VENDOR directly to book my trip. I was at loss of words and after much thought requested to be transferred to the CEOs team charged with handling complaints but was instead transferred to another supervisor ( XXXX ) who understood my problem but could only give me a fax number to the CEO team. 

In my opinion, Chase Rewards online system has a glitch that they need to fix before it becomes a big thing. Also, one may begin to wonder if they Chase IS deliberately trying to fleece customers of accumulated points ... ironically, I don't believe Chase has liquidity problems. 

Thank you, MEMBER-CHASE SAPPHIRE PREFERRED CREDIT CARD
Product: Debt collection

This account is currently pending on my credit as " derogatory '' even though I paid the full amount of settlement. I was promissed that it would be closed on my account as " settled. '' The " derogatory '' status has greatly decreased my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2015 Sold to Deville Assets Management Contacted both companies as well as sent police reports and signed their affidavit but they still continue to report this fraudulent account on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX and Transunion ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Product: Checking or savings account

Ally bank is holding my mobile deposit funds and are not following the statements in their mobile deposit agreement. The agreement states that partial funds will be released after 2 business days, and the rest of the funds after 5 business days. To someone who is struggling and received a loan check obviously for a reason, this is disheartening that a bank will hold funds for an extended period of time, going against what is promised to their consumers. I am demanding that the statement ls in their agreement be met on the consumers end. During a phone call on XX/XX/XXXX, I was promised that {$5500.00} would be available in my account today. I was then told today that NO funds would be available until XX/XX/XXXX. The check was deposited on XX/XX/XXXX. I have children to take care of and bills to pay and this is absolutely unacceptable. Ally bank is hurting their consumers with the failure to follow through on legal agreements!
Product: Checking or savings account

I deposited a check by mobile deposit on XX/XX/2024. The check cleared and was deposited to my account the same day. On XX/XX/2024 the funds were reversed out of my account and Chime informed me that the issuing bank refused to honor the check. That same day I reached out to the issuing company and they informed me that the funds WERE removed from their account and as of today XX/XX/2024 the funds still have not been returned to them. They are unable to issue me a new payment until those funds have been returned. Chime also removed the ability for me to mobile deposit checks in the future even though this was not my fault and out of my control. I have reached out by chat, email, DM via XXXX, and still have not been told why the funds were actually taken out of my account. Chime will not provide me with information on where the funds actually are or with the trace ID so the issuing company can track the funds themselves. The issuing bank is willing to investigate and determine where the funds are only if Chime is able to provide documentation that the funds were returned and provide the trace ID for the returned check. Chime essentially stole {$550.00} from me and is refusing to return it or assist me with getting this issue corrected.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My phone was stolen and then unauthorized changes were made to my account rendering me unable to login. I had a balance of {$370.00} at the time. Cash app support was unable to help me recover access to my account even though I had every detail they could have wanted. An audit trail should have been leveraged by support to ask me questions to verify my identity.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to address the delinquent accounts listed on my credit report. Recently, I received a copy of my credit report, which has prompted me to question why my information was shared without my consent. It deeply concerns me that such inaccurate and incomplete information is being disseminated, causing me undue stress and XXXX
Product: Payday loan, title loan, or personal loan

Ever since I tried making the last payment in XXXX or XXXX I have been trying to contact Zip to discuss why I could not access the website or app so I could make a payment at least 10 times. I have even offered to give them my info but they said they do not take personal information over the phone. I have also asked them I know at least 4 times if I could mail my payment. The only response is we will email you instructions on how to make a payment or add a new payment method. Now my account is a month overdue and I am sure they are not gon na have a single problem with freezing and/or canceling my account where I can no longer use their services even though this is out of my hands.
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/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. Under Section XXXX ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section XXXX ( b ) ( XXXX ) ( XXXX ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the Case XXXX, Document XXXX, XX/XX/XXXX, XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX