23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I applied for loans online, a company named Cash Central sent me a message saying I was approved for $ XXXX {$5000.00} dollar loan. I agreed to a {$2000.00} loan in which I would pay {$100.00} dollars a month for a XXXX installment. They emailed me the contract in which I agreed to. They asked for my account number in which I agreed to because they needed to verify that I had a source of income. When they looked into my account they saw that I was over drafted ( that's why I need the loan ) to cover the over draft and try to clear out other debts. They said they had two options they could help me out before giving a loan. It's either I showed them a {$100.00} that would be part of the first month payment ( that I clearly didn't have ), or they would send {$500.00} dollars that would cover my over drafted amount and I was to send them back the rest of the amount as good faith. This all happened XX/XX/2018. They kept asking me why haven't I sent the rest back yet and that's when I told them I haven't received it. When I spoke to XXXX on the XXXX they said it takes about XXXX business days for them to clear. on the XXXX when I spoke to XXXX ( because I noticed the funds still weren't there ) they said it came back as fictitious. Cash Central had also deposit XXXX additional {$250.00} deposits. When I spoke to Cash Central about the {$500.00} deposit they said it appear that way because it was cancelled that the additional {$250.00} deposits should go through. When I spoke to XXXX again they said those funds should go through but they were going to hold it till the XXXX because the first check came from the same place and it was fictitious. By the XXXX I noticed that I was being charged return fee on those deposits ( I was also charged return fee on the {$500.00} deposit as well ; {$15.00} each ). When I spoke to XXXX they said those were fraud, so they transferred me to their fraud department. Fraud told me that I had to physically go into a bank to fill out some forms and also get a new account because this one has been compromised. XXXX was no help and basically said I would be accountable for the situation because I gave them my information, but to my knowledge I thought I was dealing with a legitimate company.
Product: Credit reporting or other personal consumer reports

I do not know these hard inquires so please remove these from my credit report. Thank you. 

XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion VXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a XXXX  account with BMO on XX/XX/XXXX. Prior to that I had no accounts with BMO. 

I linked my checking account at XXXX  with BMO to deposit the initial funds into the BMO XXXX. 

On XX/XX/XXXX, the funds were debited from my XXXX account in the amount of {$200000.00}. I am including the confirmation from BMO that the account was funded as an attachment. 

I lost access to the account website on XX/XX/XXXX. All of a sudden my log in credentials no longer worked. I called the bank and spoke to XXXX XXXX XXXX ) regarding my account ending with XXXX. I believe he works in their fraud department, and he requested I email him sensitive information ( SS XXXX License ), which I provided to him. I asked him to call me with confirmation of receipt of this info but I never heard back. 

I called XXXX back numerous times over a XXXX hour time period on Friday XXXX. His voicemail is a recording that XXXX is not available and to leave a message. 

Eventually I connected with XXXX ( XXXX ) at BMO on XX/XX/2023. 
She confirmed the account was opened on XXXX I confirmed the following with her based on previous emails and conversations with BMO employees : a. explained XXXX shows the transfer went through b. My back and forth with XXXX XXXX explained that I received XXXX emails about trouble funding the account and XXXX snail mail letter from the Fraud department all on Tuesday, XX/XX/2023 ( attached ) XXXX I told XXXX I want to move forward quickly unlocking this account - they can reverse the funds back to Ally or I will send complaints to CFPB & OCC. 

XXXX put me on hold while looking into the transfer from XXXX. 
As per XXXX : XXXX. The funds became available to BMO XXXX XXXX. BMO was unable to accept the funds. I asked why not and she told me there is no explanation showing on her computer. 
XXXX. She said the funds are being returned to my XXXX account. It will take XXXX business days and they should show in my account on XXXX ( these dates are from XXXX ) My Ally account as of XXXX still does not show that the funds have been returned to my XXXX account.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint to CFPB regarding this issue. The company Credit management responded back for me to submit a fraud form again including where I was residing at during the time of fraud with a utility bill and a copy of my id. I submitted this form which I will include in my uploads. The company also provided me their Consumer relations number which I have left several messages with no resolve. This account does not belong to me. I have never gone by XXXX XXXX, I have never used that name in any instance. I want this account removed from my report immediately. It is a small amount {$63.00} dollars but I refuse to pay for an account that isnt mine so it can show on my credit report as a paid collection. It is totally unfair because I submitted everything they requested and Im still not getting a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I do not this company this company did a credit report on me without my authorization I do not know this company I would like to have them remove off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 EXPERIAN BUSINESS CRED ( XXXX ) - ( XXXX ) XX/XX/2021
Product: Money transfers

I paid {$1700.00} via wire transfer ( which I have done successfully before, although not same property/person ) to a XXXX XXXX XXXX for a vacation rental from an ad off of XXXX. 
The home to be rented was XXXX XXXX XXXX. XXXX, FL XXXX. 

Financial details are as follows : XXXX XXXX XXXX XXXX BankAccount # : XXXX # XXXX Name : XXXX XXXX XXXX I was corresponding with a supposed XXXX XXXX XXXX XXXX 
I sent an email on XXXX/XXXX/15, confirming we were still set for our XXXX/XXXX/15 arrival. 
I received the following response from the XXXXXXXXXXXX email : On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : ok madamOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : You are full of XXXX. 
What are your credentials? 
Please keep writing back, so we can pinpoint your IP address to see where you are located. 




On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : we used our monitoring team to take away his account from him and we saw your details, we are also here working on the underground investigationOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : So how is this the XXXX team, if this email is coming from a XXXX account? 

If this is a scam, you can believe I will find you and get my money back. The authorities and my bank have been contacted. 

On XXXX XXXX, 2015, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hello XXXXThis is XXXX management team, we have seized the posting from XXXX, his posting was a scam. please stop all contact with himXXXX group teamOn Wed, XXXX XXXX, 2015 at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, Just reaching out to make sure we are all set for our XXXX XXXX arrival - correct? 

Just want to make sure we are all set before we head out : ) Thank you! 
XXXX from XXXX XXXX XXXX XXXX
Product: Mortgage

I have questions about the Wells Fargo lawsuit. What about mortgage loan borrowers that where wrongful denied loan modifications that would have otherwise prevented foreclosure? My house wasnt foreclosed only because I filed bankruptcy to save my house. I was a single parent and had no choose, I needed to keep a roof over my kids head. 

Over the years I have learned that I am not the only person who had a mortgage loan with Wells Fargo that was also denied a loan modification and chose bankruptcy to save their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX underneath the agency I.C. Systems is reporting a collection account to my credit that does not belong to me. The account belongs to someone named XXXX XXXX who I have no relation to, this was placed on my credit due to error. It is also only reporting to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX : {$220.00} XXXX. XXXX XXXX XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX : {$13000.00} XXXX. XXXX XXXX XXXX XXXX : {$740.00} XXXX. XXXX XXXX XXXX : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have XXXX closed and XXXX open credit cards with capitalone bank and want these to re-inserted into XXXX and XXXX today. pleaSE FURNISH ME LETTERS OF INSERTION FROM BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see below with this Account XXXX XXXX XXXX XXXX is reporting incorrectly and theres numerous errors on XXXX XXXX and equifax stated in 15 U.S.C 1681A everything shall be 100 % correct which its not I demand this account to be removed from my credit report the credit bureaus are violating my rights and I will sue Equifax and XXXX XXXX. Im being discriminated and this needs to be removed
Product: Student loan

Enterprise Recovery System continues to contact my employer even after I had sent a letter indicating not to do so. They continue to harass my employer.
Product: Checking or savings account

I previously requested an address to send a notice of small claim suit to Wells Fargo via a prior CFPB complaint, Wells Fargo rep by the name of XXXX XXXX replied stating to refer to my local small claims court which does not have the address to mail such a notice, it appears he is refusing to provide it. Further, information was reported to IRS by Wells Fargo showing an amount of {$5100.00}, a 1099 notice was received from Wells Fargo reporting this amount to IRS as paid to me. This amount appears to be from a settlement check which was not received and this was stated in prior CFPB complaints, not addressed. I requested Wells Fargo correct this information with IRS, however, it appears they will not as I was directed to IRS.. IRS rep stated Wells Fargo needs to correct this information.. XXXX refers to a letter dated XX/XX/XXXX which also does not address loss of check ... .The amount of which, {$5100.00}, represents a settlement amount of {$3700.00} including IRS taxes. However, the check was not received, appears intercepted by another party, my signature forged. Since Wells Fargo does not appear to be interested in resolving matter, I requested an address to send a notice of small claim suit. The matter includes the issue of lost/intercepted check, offer amount low-balled, continued sustained damages due to information reported to XXXX   XXXX  XXXX which was not removed prior. I spoke with a XXXX XXXX with mediation on XXXX, he was explained no payment received and the offer amount appears to have been low-balled, signature forged on check, continue to sustain damages due to information reported to XXXX, ( XXXX XXXX XXXX ). He denied all three facts and did not seem to be willing to re-negotiate.
Product: Credit reporting or other personal consumer reports

ssistance in addressing serious inaccuracies and unauthorized activity on my credit reports that have not been corrected despite my repeated efforts to resolve them directly with the credit reporting agencies. 

After obtaining my Federal credit report, I discovered multiple inquiries on all three of my credit reports ( XXXX, Equifax, and XXXX ) that I did not authorize. In addition, I have identified several other discrepancies, including : 1. Collections Misreported : Accounts that have been paid off are still showing as open collections, and they continue to reflect as negative items. 
2. Inaccurate Status of Accounts : Paid-off balances are still being reported as delinquent or showing as having late payments, which is affecting my creditworthiness. 
3. Incorrect Personal Information : My credit report contains aliases and variations of my name that I have repeatedly requested to be corrected or removed, yet they remain. 
4. General Inaccuracy and Misreporting : Other items on my credit report are simply not accurate or up-to-date. 

I have sent multiple dispute letters, followed up by phone calls, and have repeatedly asked the credit bureaus to verify the accuracy of the reported information, but they have failed to do so. In most cases, my calls are dropped, or I am transferred and subsequently disconnected without resolution. This has been extremely frustrating and has created a significant hardship, as these inaccuracies are negatively impacting my financial stability and my ability to provide for my family. 

As this has caused me considerable stress and detriment to my credit standing, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that the credit reporting agencies take appropriate corrective action and resolve these disputes in a timely and thorough manner. 

I would greatly appreciate your assistance in bringing this matter to resolution and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I submitted a letter as a consumer to Lexis Nexis Risk Solutions Consumer Center on XX/XX/2023. Lexis Nexis violated my privacy by furnished a bankruptcy referenced number XXXX to Lexis Nexis and to XXXX, XXXX, and XXXX. I did not give Lexis Nexis permission to furnish this information, as I have a right to privacy. It has also been over thirty days since i have sent the letter. By law, a company has 30 days to investigate, and I have yet to receive a response regarding my dispute has been received.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly with the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle on several occasions and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that there wasnt a sufficient way to track the transactions. The CFBPs findings indicate that Zelle has not only neglected to protect consumers, but have allowed recent 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

In XXXX ( around XXXX ) of 2024, I was interested in a truck XXXX 's XXXX of XXXX XXXX had on their lot. I was speaking with a sales rep about it, but they ended up selling it before I even had a chance to look at it. Now, I see hard credit inquiries from XXXX XXXX ( XXXX XXXX 2024 ), TD Auto Finance ( XX/XX/year> ), XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/year> ) on my credit history. I want these removed as I NEVER gave any permission ( tacit or otherwise ) to do a ( hard of soft ) credit inquiry from this dealership. I have emailed the General Manager and called and left voicemails and can not even get him to answer me or call back for them to have it removed.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent and hard inquiries off my credit file from Experian, XXXX XXXX and XXXX immediately. 

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 XXXXXX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX XXXX  I received an email from a company called Prosper about a denied loan application that I didn't apply for, it went on to further explain to check my XXXX credit agency if the report was inaccurate. I first called Prosper and asked them about the email I just received from them, They went on to explain that they did not have anything on file that I applied for a loan. I also called XXXX to ask if they seen a Hard Inquiry on my Report, and they also stated that they did not see anything as well. 
I don't feel easy about this due to they emailed me on my private business server. Can you please investigate this issue due to the fact that someone or something allowed me to receive that email?
Product: Vehicle loan or lease

The company added XXXX extra dollars to my loan the loan pay out was XXXX the loan amount is XXXX according to my credit report they already over charge me the loan amount for a XXXX  XXXX XXXX XXXX was XXXX some odd dollars the actual cash value for this car was XXXX dollars  I have a 63 month contract and the total amount in all was XXXX dollars  with XXXX miles its a rip off and I regret ever getting a Loan with them. Then the airbag was malfunctioning causing the airbag to come out and XXXX  me my XXXX  causing me to wreck my car which was a total loss Im screwed and I need your help. They also increased my monthly pay to XXXX and some odd dollars
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I had previously requested information regarding my loan. The problem that I am having is that my loan matured in XXXX 2019 which is when my last mortgage payment would have been due. I received information from the company in response to my original request for information about my account however they did not answer the question as to why they claim that I still owe approximately XXXX dollars. I was never late with my payments and my last payment in XXXX should have paid off my whole loan.
Product: Mortgage

I really need your help urgently. In the nutshell, my current mortgage is with XXXX ( known also as LoanCare, going forward I will go by name XXXX ) and my monthly mortgage payment is extremely high. With XXXX XXXX  it became very difficult to pay for the mortgage. I have secured a refinance commitment from XXXX XXXX XXXX and they are willing to refinance my loan and reduce mortgage payment significantly. They have reached out to XXXX and asked to send XXXX documents ( collateral file ). XXXX has told the bank that they will send the documents out in 3 months which is astonishing. XXXX XXXX XXXX has locked the rate and they need to close in two weeks. XXXX does not want to cooperate and they hold me hostage with my loan. I will not be able to pay higher mortgage payment for the next three months. I have reached out to XXXX and asked for help, but their customer service rep stated that they are helping other customers and will not send any paperwork within 3 months. I am hopeless and speechless. Please help!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for mishandling my credit report disputes.. Despite multiple written disputes sent on in XXXX Experian has : 1. Failed to conduct a proper investigation as required under 15 USC 1681e ( b ) 2. Reinserted or allowed inaccurate information to remain on my credit report without proper notification or reinvestigation, violating 15 USC 1681 ( 5 ).

3. Continued to report obsolete or inaccurate information in violation of 15 USC 1681c ( c ). 

These actions have directly harmed my ability to access credit, employment, and housing opportunities. 
Their negligence caused me significant financial harm, including denied credit opportunities, increased interest rates, emotional distress, and damage to my reputation. 

Additionally, I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for similar violations, alleging sham investigations and failure to address consumer disputes effectively. This pattern of misconduct aligns with my experience and demonstrates systemic noncompliance with federal laws. 

Supporting Documents : I have attached copies of : My dispute letters sent to Experian. 
Proof of delivery for these letters. 
Copies of Experians responses ( or lack thereof ). 
Credit reports showing the disputed information. 

Thank you for your attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX