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

I have a car loan with XXXX XXXX since XXXX XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XXXX XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a XXXX XXXX. I negotiated with their Lawyer 's and received a lower interest rate and lower monthly payment. The Bankruptcy was Discharged XXXX XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XXXX XXXX time frame with the last dispute in XXXX XXXX. Since this car loan has been paid, on time, since XXXX XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a XXXX   representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with XXXX and TransUnion and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.
Product: Checking or savings account

Statement Regarding Unauthorized Transactions Request for Investigation I, XXXX XXXX, the owner of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, discovered a series of unauthorized XXXX business-to-business transfers originating from my business account at Wells Fargo. These transactions totaled over {$110000.00} USD and were carried out without my knowledge, consent, or authorization. 

Neither I nor XXXX XXXX XXXX ( XXXX ) have any affiliation with the recipient accounts. The transactions appear to have been initiated by an unknown third party, and I immediately reported the fraudulent activity to Wells Fargo on the same day. 

Despite this, Wells Fargo has since contacted me and denied my fraud claim, stating that the charges were authorized. This determination is completely unfounded. It is illogical to suggest I would willingly authorize over {$100000.00} in random transfers to unknown entities. Wells Fargo refunded only {$7500.00} of the total stolen amount and has since closed the claim without providing any justification or resolution. They also claimed that we had reported these charges too late which we did not but then they proceed to payout the oldest of the XXXX charges which makes absolutely no sense from their end! Wells Fargo is playing games and trying the pass the time. 

Details of Fraudulent Activity : Bank Name : Wells Fargo Type of Transactions : XXXX business-to-business transfers Total Estimated Amount : $ XXXX USD Date Reported to Bank : XX/XX/year> Request : I am formally documenting this fraudulent activity and requesting the assistance of law enforcement in conducting a full investigation. I seek to recover the stolen funds and hold the individuals responsible accountable. Your attention and support in this matter are greatly appreciated. 

Sincerely, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Debt collection

I have been a victim of identity theft, on XX/XX/2017 a medical collection accounts were open in my name, I went to my local police station and filled identify theft report along with a federal trade commission identity theft report then I called the collection company ( Avante USA ) I explained them everything and provided them with a copy of all documents, however, they refused to remove the accounts despite me being in any hospital neither seeking any medical care from the mentioned facility in the account, furthermore, they were very hostile and even hung up the line after losing hope of me paying a service I didnt use, I contacted the credit bureaus and sent them all documents and was able to remove the accounts, but still Avante USA is using illegal techniques to change accounts numbers and debit value to promote to the bureaus as a new debits. Their allegations are unfounded, they failed to provide the credit bureaus with a proof of debit, but for some reason they still able to keep adding new accounts to my report!
Product: Debt or credit management

Santander literally lied and falsified information that is attached to this letter. They uploaded this letter into my account with no discussion being had by me. They claimed that they spoke to me on the phone yet they don't have a phone number to contact me that is current. Nobody ever talk to me and I never agree to this. They lied. What is the recourse and what is the punishment to them for literally falsifying information stating that they spoke to me which they have done many times and they actually did not? That is so unbelievably illegal and unethical. They have done this multiple times over the course it's part of their shady business practices. They don't have a phone number to reach me. The phone number that they had no longer reaches me I don't have that number anymore. This is how I know they don't have any way to contact me. It's frightening to me that they can actually lie like this and get away with this. I did not agree to this settlement I did not agree to anything I did not speak to them I did not agree to the terms I did not agree to the dates I did not agree to the amount. You need to fix this with this lender once and for all and they're shady business practices. They have so many lawsuits that it is shocking to me how they can continue to do business. They have lied they have completely lied. Further evidence of their lies can be proven because of where I was at the supposed given time and date that they talk to me. I would not have been able to even speak to somebody because I was incapacitated. Lies lies and more lies.
Product: Checking or savings account

XXXX XXXX is a service provided by XXXX XXXX. On their website, it states that if you choose to close the account, you have to send them an email. Ive sent the email twice over the course of a month. There is an automated response asking four your name, last four of social, and email associated with your account. I responded and stated that asking for PII over email was not a great idea. I have not had any response regarding closing this account. I then tried to reach a customer service representative. The chat notifies me that I am being transferred to a human and before it can connect, it says the service was disconnected due to a connection error. There seems to be some shady business going on with this service.
Product: Bank account or service

I first sent complaint to XXXX XXXX of the XXXX XXXX. He deals with problems. 
He said to contact you. 
I undid an Annunity with Merrill Lynch XX/XX/XXXX. I had held it past 7 years so theysaid I could do that as I prepared to downsize and have money to put down on a house until sold present one. 
What I did not know until tax season here XX/XX/XXXX that there was a " GAIN '' on it and I would pay more then a few hundred on the gain. 

I was not familiar with gains on this type thing and Was told legally by Merrill Lynch they can not even discuss gains or use that term. I apparently waived paying taxes thinking it would just be a few hundred dollars!!!! 
Little did I know I owed {$7000.00}!!!! 

I have talked for 3months to Merrill Lynch and have no satisfaction. They have said Legally they have done everything right. They told me government set up this rule to not discuss gains and that is upto me as a consumer to know or ask, so I am out of luck. 

There is a lady in XXXX with Merrill Lynch that has done the research and sending the paperwork to me!!!! 
So all I Know is I live in XXXX, XXXX and apparently some banking rules need to be changed so another XXXX citizen does not literally pay the price like I did. 

SincerelyXXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX / XXXX / {$48000.00} XXXX XXXX XXXX  / XXXX / {$0.00} XXXX XXXX Code XXXX - Correction of billing errors ( XXXX  ) BILLING ERROR For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Mortgage

Due to Covid 19, I am unable to pay my mortgage. We do not have enough money coming in to cover the mortgage and maintain my family. I apply for a forbearance Plan however, this will compile four month of payment at the end of the forbearance Plan. I live in XXXX XXXX XXXX, according to the governor, XXXX XXXX, the three month will be added to the end of my long. This is not what Roundpoint is offering. I am afraid that in XXXX, I will not be able to pay over 10,000 in mortgage payments. This is what they are stating on there website, At this time, Investors and Insurers are providing temporary relief for those financially impacted by COVID-19 through temporary forbearance plans ( a suspension of your monthly payments ). We will update this page and notify our customers as the Investors and Insurers release additional relief programs. 

Click below to request a temporary COVID-19 Forbearance Plan. 

https : //www.rpmservicing.com/coronavirus Please help me resolve this issue and insure that my home is secure.
Product: Checking or savings account

I had multiple bank accounts opened in my name. US BANK contacted me saying that I owe them money from a checking account I never opened. I called the bank multiple times telling them that it was a fraudulent account opened and I never did any inquiries or opened any bank accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Number # XXXX XXXX XXXXXXXX Account Number # 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 instructions.
Product: Mortgage

I applied for a modification over a year ago at M & T Mortgage Company. It was a long and grueling process, but I patiently and cooperatively did EVERYTHING THEY asked me to do, and I was approved for the modification. I made my XXXX trial payments on time, as required. Then I got the final modification documents to be signed and notarized. I did just that. I did n't notice that they were requiring my wife to sign on the documents, due to the fact that she is not on my loan nor Deed, so I did n't think I needed to look for a place on the documents for her to sign. So I signed, notarized, and returned documents to the bank, and I also continued making my payments as required. To my surprise, almost 3 months later, M & T Mortgage informed me that they have cancelled my modification because my wife did not sign the documents. PLEASE TAKE NOTE ... THEY NEVER SENT ME ANY NOTICE OF AN OMMISSION OF ANY SIGNATURE, OR IT WOULD HAVE BEEN DONE, and sent back in a timely manner. They had the documents for months and never bothered to contact me about the missing signature, instead, they went ahead and cancelled my modification, JUST FOR A MISSING SIGNSTURE OF SONEONE WHO IS NOT EVEN ON THE LOAN, AFTER I WENT THROUG SO MANY MISERABLE MONTHS TO GET THE MODIFICATION.
Product: Checking or savings account

On XX/XX/2018, USAA closed all of my banking and investment accounts- no reason was given. They also closed my wifes investment accounts and credit card. We have excellent credit scores and are shocked that this has happened.

We are confused and feel that we have been taken advantage of.
Product: Debt collection

HSBC is attempting to collect a debt that was a result of identity theft. I have disputed with the credit bureaus and have sent my official police report to them to resolve. No success. This is a violation of the FCRA and FDCPA for identity theft victims. Please help me resolve this matter quickly before any further damages are incurred.
Product: Debt collection

I received a letter from RESULTS UNLIMITED, INC on Friday XX/XX/XXXX claiming that I owed XXXX XXXX ( my old apartment complex ) {$130.00} I called the company ( ( XXXX ) XXXX ) TuesdayXX/XX/XXXX at XXXX. Gave the young lady my name and she wanted my address I told her they sent me a letter so it 's the same address. At that point she proceeded to tell me if I did not update and give her my address she could not send me to whomever I was to speak to regarding a debt that I supposedly owed. She told me when I called back with my address then I could speak to someone. I hung up, waited a couple of minutes and called back. Same lady answered the phone, I gave her a bogus P.O. Box Just to talk to someone. I was on hold for approximately 3 minutes. Once XXXX came on the phone I gave her my name and asked her what this DEBT COLLECTION letter about. XXXX then proceeded to ask me was I working and answered YES. Then she wanted to know where I worked. I told her I was not giving her that information. I do not know who she was or who the company she represents was. XXXX then told me then, that she could not help me. I told her that what ever this is about I am disputing the claim, and that I was not giving her my employment information. She then tells me that they will then just see me in court. I did not argue and simply said ok and then turned around and called the CFPB where I spoke with XXXX and here I am now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX are in violation of my consumer rights by double charging for the same account and by double reporting the same account to third party agencies and also by sharing my information without my consented written approval. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliate third party any non public personal information, unless such a financial institution provides or has provided to the consumer a notice the complies with section 6803 of this title.

Opt out ( 1 ) In general A financial institution may not disclose non public personal information to a non affiliated third party. Unless ( A ) Such a financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Limits on reuse of information Except as otherwise provided in this subchapter, a non affiliated third party that receives from a financial institution non public personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is non affiliated third party of both the financial institutions and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an account reporting on my personal credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7400.00} to {$7300.00} which is not accurate! The other two bureaus show different balances!

2 ) The monthly payment changes from {$240.00} to {$0.00} also inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$240.00} which is not accurate!

2 ) Same issue with balance reporting {$7400.00} when the month before was {$7300.00}! Not accurate! 
3 ) The date of last payment is reporting XX/XX/XXXX which is different that the other bureaus. 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7300.00} when it was {$7400.00} They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!
Product: Credit reporting or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Product: Checking or savings account

A XXXX was sent a few years ago out of my account to a known account and chase basically told me to bad!
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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not 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 serious concerns about consumer safety.
Product: Credit card or prepaid card

I have discovered that the Credit Card Company has provided inaccurate details on my credit report, including incorrect dates, amounts, and records of late payments. Moreover, each credit bureau has different erroneous information on file.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1. Confirmation of corrections made to the disputed items. 
2. Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3. Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital Systems had for some reason put a collection mark on my credit account for XXXX XXXX which I paid through a debt relief company called XXXX. For some reason Jefferson Capital bought it even though I settled and paid for it! I tried calling for them to take it off but person was being rude over the phone. I tried stating that it was paid and he just kept saying that it was not his problem and wanted proof. How is it my fault if they bought the debt off a company that did not tell them it was paid. Now they wont take it off my report.
Product: Debt collection

I've received a letter from Maury Cobb Attorney At Law LLC on XX/XX/XXXX of 2023, regarding to a debt I owe of {$1200.00}. On XX/XX/XXXX, I've sent out a certified debt verification letter to the debt collector to verify the validation of the debt, it has been over 30 days and the debt collector still haven't respond.