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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. I have bank with, now Wells Fargo, initially with XXXX XXXX and then Wachovia in duration of over 24 years. I have never filed for a fraudulent claim till this past couple of weeks. I was robbed in XXXX XXXX, My phone and my cards got stolen. My cards, both credits and Debits cards, were used to make several unauthorized charges. There were unauthorized XXXX and wiring of money from my accounts. I filed a complaints with the bank to informed them of the theft, and the unauthorized use of funds from my account. My charges were separated into several claims, as each type of transaction is handled by different department. 
XXXX was wired from one of my accounts, total of XXXX XXXX from few different accounts, and XXXX from business account. These are all from Wells Fargo account. Claim numbers were given me... .after waiting for 10 days. I was denied the claim. I was told, that I made transactions myself or I authorized someone to use my accounts. These were completely untruthful. 
Another Banking company had same information as Wells Fargo. They concluded that Charges were in fact fraudulent. I feel I was not heard, brushed away, and my claims were not taken serious and rather denied. This is very unsettling.
Product: Credit reporting or other personal consumer reports

I advised the company that they have reported my account a charge off effective XX/XX/XXXX when in fact I have a bankruptcy discharge effective XX/XX/XXXX. The company said they never received the notification of bankruptcy and asked me to email them proof of bankruptcy discharge and documents proving they are including in the bankruptcy discharge, and I immediately sent over the documents to no avail.
Product: Money transfer, virtual currency, or money service

This is regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit. Despite using Zelle regularly, my financial institution failed to investigate my claims adequately. They informed me that tracking lost funds was impossible. The lack of accountability of Zelle neglecting to protect consumers is unacceptable.
Product: Credit reporting

I began checking my credit report, and disputing inaccuracies a few years ago after finding out my identity had been stolen. On XXXX separate occasions, I have provided the police report and all other required info. Here recently, the big XXXX have blocked me access to online completely. Now, they refuse to return my phone calls, so I wrote Experian a letter with the police report again, and not knowing the outcome of my previous dispute. I never received a revised copy from Experian or XXXX, or XXXX. I clearly stated in my letter that I was disputing all adverse items, except for XXXX XXXX XXXX XXXX XXXX which had 10+ years of " in good standing '' items, and also XXXX loans that were in the negative. They sent me a report stating that they fixed the problem. They did not. They deleted all of my " in good standing '' items, and nothing else. The following day, I was able to get through over the phone, and explained the situation. They apologized and reassured me it would be resolved immediately. The next report I received had no changes made whatsoever and my good credit still deleted. They claim I had placed a fraud alert on my file with XXXX of the other agencies, and this is simply not true. I called them again, and was placed on hold 11 times waiting for a supervisor, that never answered, so they told me all I could do was leave a message each time, and so I did. I never received a call back. They did send me a XXXX page letter stating that It was my fault, and to see the attached report to answer my questions. There is nothing on the report. I have done everything I know to try to get this resolved, and they have continued to make matters worse each time. If you read through the documents I have provided, you 'll see that no due diligence on their part has been exercised. They have created more problems for me than the people who stole my identity, and they need to be held accountable. Otherwise, they 'll continue to blame me for their mistakes, or intentions as it seems, while I continue to suffer from them. Attached you WILL find a copy of my police report, and the letters that have been mailed. Finally, I do n't know who would request them to delete all of their " in good standings '' and ruin their own credit, but Experian is accusing me of gaining from it, and that I agreed in writing that the information was blocked in error, that I had knowingly obtained possession of goods, services, or money 's as a result of their blocking my good information, and that the block was based on a material misrepresentation. I assure you, I am not benefiting anything from having to deal with this ignorance, and yet they determine what goes on my credit report, and refuse to take anything off that is not mine. No conspiracy there, it 's just an inept malice that is somehow tolerated. While they play games with my life, I get wait on hold for noone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Federal Tax Lien filed in error on XX/XX/XXXX. The IRS realized it was an error and issued a withdrawal on XX/XX/XXXX. The withdrawal was sent to the Register of Deeds in my county but XXXX and Lexis Nexis never reported the withdrawal. I filed a dispute and reinvestgation but XXXX  insisted the information from Lexis was correct and never corrected the information even though I sent them a copy of the withdrawal twice. My husband filed a complaint with CFPB as he was treated in the same manner. The result was it was corrected on his report but not mine.
Product: Debt collection

I received an alert that a collection account was placed on my credit report. Waypoint Resource Group violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute this information. I NEVER received any communication regarding this alleged debt. I was notified of this alleged debt via an alert from my credit report monitoring service.
Product: Checking or savings account

My chase account was hacked on XX/XX/XXXX and someone added my debit card to their XXXX XXXX. I received an email stating such and immediately called Chase fraud. I asked them to shut off my debit immediately but before they did the person who stole my info took {$1000.00} out of an atm in downtown XXXX ( I live in a suburb ) ans then did two transactions at XXXX sports totalling just over {$600.00}. I have spent weeks and a dozen phone calls with Chase and they finally gave me the atm money back in my account but it didn't happen until XX/XX/XXXX. In the meantime, three times now they have denied the XXXX transactions even thought it was immediately after the XXXX atm ones and keep telling me I authorized them. I didn't. I have an android and would never own an apple product. Nobody in my family gas XXXX products or XXXX XXXX. I never gave out my card information or the banking information. Even my husband could not login to my bank accounts. Now, by XX/XX/XXXX Chase is about to pull the funds again ( it was a temporary credit ) because I didn't provide enough information ( per the last phone call to them earlier this week ). I'm so over this bank and all of the fraud that has impacted. Y life over the last 9 years because I bank with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting a collection in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page 26 attached from my credit report. ) This account was opened without my consent or knowledge. I did not give permission for this account to be opened and I did not sign any documents on this account. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Checking or savings account

I transferred funds from my Discover Online checking account at about XXXX ; XXXX today, during a bank day today Friday XX/XX/XXXX and scheduled the transaction for today as well by end of business. The funds were removed from my account balance in the Online Banking app, leaving the remaining available balance. The external bank registered with Discover for the transfer never received the funds and upon calling Discover and having to ask for a supervisor, the refused to cancel or reverse the transaction claiming its the WEEKEND and it will take 4 to 7 BUSINESS DAYS before the transfer occurrs! This after receiving confirmation email from Discover at XXXX! ( during a BANK BUSINESS DAY, TODAY XX/XX/XXXX! ). The supervisor refused to cancel or reverse the transaction and refused to provide a mailing address, phone number or any other means if contacting their legal department, claiming they have no information and the transaction is being processed. I demanded my transaction be canceled and the account closed yet they refused to accept the fact that I did the transaction in the parameters of a normal bank business day. I want my money back as they are going to cause me to have a late mortgage payment! I have a XXXX XXXX XXXX to keep a roof over his head and I'm XXXX. They took my government XXXX XXXX  and are holding it without warrant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : My mortgage payments are not being reported to the Credit Bureaus XX/XX/2019 - Sent a letter to my bank, Webster Bank, informing from that my mortgage payments were not reflected on my Credit Bureau files and requesting that they correct the situation. 

XX/XX/2019 - Received a letter from Webster Bank stating that since my obligation to Webster Bank was never reaffirmed following my bankruptcy filing Webster is not obligated to report my payments and the Credit Bureaus may suppress my payment history or no longer show the mortgage on the credit report. I checked with my bankruptcy attorney and he confirmed that the judge approving my bankruptcy would have never allowed my reaffirmation As stated in this letter from XXXX, my payments have been on time. 

XX/XX/XXXX, XXXX I sent letters to each of the XXXX major credit bureaus enclosing my payment history from Webster Bank requesting this payment history be reflected on my credit files.. 

XX/XX/XXXX, XXXX Upon receiving responses from each of the credit bureaus, I sent Webster Bank a letter showing them the response from each of the credit bureaus confirming that they are not receiving my payment history therefore not reporting it. 

XX/XX/XXXX, XXXX Webster Bank responded that they are not obligated to report my payment history and then states that the loan gets suppressed by the credit bureaus and no longer will show on my credit report
Product: Student loan

I had for many years a private student loan with XXXX XXXX XXXX,XXXX. In XXXX 2017 they sold my loan to a company called XXXX XXXX XXXX XXXX, They have a company that handles their payments and collections. That company is XXXX XXXX XXXX, XXXX. They have 2 addresses ; XXXX XXXX XXXX XXXX, XXXX, Wi. XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WI. XXXX. E-Mail at XXXX, Web address XXXX XXXX XXXX. Since the sale of my loan I have been receiving a monthly statement that claims that I have a missed or late payment. I do not have a missed or late payment at all, this is a mistake made by XXXX. I have telephoned and e-mailed XXXX every month since they took over my loan trying to straighten this out. XXXX agrees with me that it is a mistake, and I have correspondence from them to back this up, but I am still receiving a late payment statement from them every month plus they are charging me late fee interest on the balance of the loan. I want to file a complaint so that someone can step in and straighten this out for me as it will have a negative effect on my credit score plus they are cheating me out of money in interest and late fees. Thank you
Product: Debt collection

Multiple violations of the TITLE VIII - DEBT COLLECTION PRACTICES espespecially sections 805, 806, 808 and 816.
Product: Credit card

I started receiving a bunch of spam emails in my XXXXXXXX XXXX Then I noticed that an order had been processed for pickup through my Best Buy account. After logging in and canceling the order, I discovered that there were three credit cards ( XXXX ) opened in my name, all linked to random addresses that I do not recognize. The only credit card I have on my Best Buy account that I opened is my Best Buy card through citi bank. The other three cards I have nothing to do with.
Product: Credit card

I had 3 hard inquiries on my credit report and a credit card opened under my name without my consent. These are fraudulent. I have notified XXXX and will be calling the merchants to let them know. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank/ old navy
Product: Credit reporting

I have been trying to get Equifax to update my personal information for the past few years so that I 'm able to obtain my credit score. I was married in XX/XX/XXXX and I sent in the updated the information. I requested to get all the FRAUD ALERTS removed and they were just extended till XX/XX/XXXX. I 've sent in my ID, social security card, XXXX and military ID in hopes they would update my credit report to no avail. I 've recently tried to start the dispute process again but it has turned into endless phone calls, faxes and mailed in letters. I would just like this information updated.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my nephew tried to cash a check I sent from a XXXX account that I am Trustee over. 
In fact I sent XXXX checks, one from the account of my deceased mother and one from my deceased father, both under XXXX trust. He attempted to XXXX XXXX of the XXXX checks. The checks were written on XXXX XXXX accounts. Each check was for {$6000.00} for a total of {$12000.00}. He attempted to only XXXX XXXX. XXXX XXXX located in XXXX called me twice. Once to verify the account information and the last call explained they needed a three way call with the XXXX store, XXXX and me to verify how much the account had in the account. I said that they only needed to verify the account had sufficient funds to cover the check and the balance in the account was not their business. I feel this was fraudulent to find out how much total was in this trust account. I declined. I think it was either ignorance or a fraudulent motive. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached a list of transactions for review. I paid off my XXXX XXXX credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX  when XXXX reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and XXXX has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a XXXX XXXX manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely XXXX will remove the late ding on my credit. I also attached what XXXX has reported to Experian as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me 60+ points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that XXXX acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of Business. Despite using Zelle and reporting discrepancies my financial intuition and Zelle failed to investigate my claims properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account information with XXXX and Experian XXXX and XXXX. This account information is completely wrong. It is directly violations my consumer rights. I pulled my credit report with annual credit report and 2 credit bureaus are showing this account as open and one credit bureau is showing closed. I sent this info to XXXX XXXX and they are saying the info is correct. It is also saying my last payment date was XX/XX/2023 for two credit bureaus and XX/XX/2023 on another. For example, I attached my Experian credit report that I pulled from annual credit report today. The this closed account is still showing open. It also shows the last payment of {$500.00} was on XX/XX/2023. Please see pages 18 and 19 of this document.
Product: Credit card or prepaid card

SYNCB/WAL-MART XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The issuing bank reduced my credit line without notifying me of said reduction in credit line from {$500.00} to {$260.00} thus negatively impacting my credit score by raising the ratio of used credit to available credit through the reduction of available credit. This also put me over the credit limit and appears to be on the verge of over credit limit fees being applied. The notice was supposedly generated on XX/XX/XXXX and mailed. When called the company said the only option was a request to increase credit limit which was processed and denied and also will put another credit inquiry on my credit report. This was all discussed via telephone on Friday XX/XX/XXXX.
Product: Mortgage

I XXXX XXXX am a professional XXXX woman who works XXXX full time jobs to protect her family. In 2014 I went through a divorce, and my former husband did not pay the mortgage for several months. I took over the mortgage, obtained a modification on my own, and have been current with my mortgage payments for the past two years. The mortgage servicer has maintained a continuous 180-day late payment status, which reflects on my credit rating and drives my credit scores down significantly. This practice is highly discriminatory and I will bring this matter to the XXXX in XXXX Pennsylvania if it is not corrected. The account should show as no ; late payments since the approved modification in 2014. I make my claim with the CFPB to take action on this highly illegal and discriminatory practice on credit reporting. All payment histories with each respective credit reporting agencies must show no late payments since the modification approval.
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/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested a mortgage modification XXXX for my house from Carrington Mortgage. Carrington Mortgage was processing my modification request and moved forward with foreclosing on my property XXXX XXXX XXXX XXXX TN XXXX and they foreclosed onXX/XX/XXXX
Product: Debt collection

Synerprise Consulting applied an unsubstantiated and disputed derogatory account on my credit bureau file. The disputed derogatory account was never agreed to by me. I never signed any agreements to pay the account in question. I never signed or agreed to be the guarantor for the disputed account. Snyerprise Consulting never contacted me prior to reporting the account as mine. I never signed any promissory note for the referenced account. And as previously stated I never signed or agreed to be guarantor for the account. Snyerprise Consulting has not provided any documentation of proof that I agreed or signed for the account in question. I never opened the account in question. I never signed any documentation agreeing to the account. I never agreed or signed documentation making myself guarantor or responsible for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved through Comenity Bank for the Victoria 's Secret and XXXX XXXX and XXXX on XXXX/XXXX/XXXX. 
I was then contacted by mail I needed to provide proof of identity. I sent in my Drivers license, SS card and proof of address. My cards were immediately closed and I was sent a letter saying they suspected fraud. 
I was told the accounts would be taken off my credit report. It has been 4 months and I have XXXX derogatory accounts saying " Account XXXX by XXXX XXXX ''. 
I still have no idea why my accounts were closed. I did n't even use them before they were closed within 2 months of being closed. 
Please remove these cards off my credit report. Currently you have these XXXX cards reporting to XXXX and XXXX. I am trying to clean up my credit to buy a house and this is hurting my score immensely. 

NY XXXX CO credit limit {$250.00} Victoria 's Secret credit limit {$350.00}