23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I just read the company`s response. First of all they have the incorrect sales date. They have it on their response that the vehicle was purchased on XX/XX/XXXX, it was XX/XX/2022. Secondly, they state that they paid the dealership {$28000.00}, the correct amount was {$27000.00}. 

Also, Wells Fargo Auto Finance should have known better than to pay out for a loan of that magnitude without checking the XXXX XXXX XXXX XXXX. They also state that they were not resent, they didn`t need to be present. They should have checked the value, and asked for photos of the vehicle seeing that it was used and had over XXXX miles on it. They didn`t do anything correctly. 

Another thing they should have asked for was proof of income in written format, they did not, and it is required that they see three months on Bank Statements. Wells Fargo Auto Finance made a huge amount of errors, so they will have to refund every payment I've made and take the vehicle back. I only receive {$870.00} in SSDI payments, I have the award letter attached to this.
Product: Money transfer, virtual currency, or money service

i had zelle with my td account i had received a zelle transaction and after it was received they had closed my account
Product: Credit reporting or other personal consumer reports

After reviewing my credit file, the account that I want to investigate still on my credit report. 

XXXX  XXXX XXXX XXXX {$0.00} This account is misleading. This will need to be removed pronto.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to Experian, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, and student loans to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account. 
Immediately, DELETE ALL record of the following alleged Auto Loan, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards.
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 only neglected to protect consumers but has also allowed repeated 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

My account with XXXX XXXX XXXX XXXX XXXX was locked due to suspicious transactions using the internet to acquire goods over {$700.00} dollars. 

The bank never contacted me again and allegedly had no more information to provide concerning the unauthorized transaction. 

Also, the are allowing other transactions from apple store not authorized by me, even if it is directly through the bank or any of the XXXX  virtual or physical stores. 

Financial transactions and statements are not clear and/or explain the transaction details or precedence of the transactions or payments authorized.
Product: Checking or savings account

Capital one Bank Issued a check for $ XXXX to XXXX XXXX XXXX   from my account on XX/XX/XXXX based on the old/invalid Indemnification letter dated ( XX/XX/XXXX ). 
They have neither took my approval nor informed me about the transaction and after week I noticed when I was trying to pay Bill Pay.  I got panicked by seeing the transfer out of my account with $ XXXX ( As I did not do any transfer and the online transaction says transfer out ). They sent the funds ( cashier 's check ) to XXXX XXXX in regular mail without any tracking details and XXXX XXXX is saying that they have not received the funds. 

Due to lack of the funds I cancelled the commercial property purchase ( I got the approval from seller ). This is big loss for me and after calling many times to both banks they are unable to fix the problem.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX  opened on XX/XX/XXXX, a credit card account with XXXX  XXXX opened on XX/XX/XXXX, another credit card account with XXXX  XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX  opened on XX/XX/XXXX, a credit card account with XXXX opened on XX/XX/XXXX, a financial account with XXXX XXXX XXXX  opened XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX  opened XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple letters previously to the 3 credit bureaus in regards to the false reporting and fraud accounts that are posting on my credit report and I have tried to speak with these reporting agencies, over the phone as well as via Mail. And I have not yet received an update on investigation from either. The following accounts need to be investigated and removed from my credit report XXXX  : # XXXX : FRAUD / ID THEFT XXXX XXXX  : # XXXX : FRAUD / ID THEFT XXXX XXXX : FRAUD XXXX XXXX XXXX XXXX : # XXXX Incorrect Reporting VALIDATE DEBT XXXX : # XXXX FRAUD : ID THEFT XXXX : # XXXX : FRAUD : ID THEFT XXXX XXXX : # XXXX : FRAUD : XXXXDTHEFT XXXX XXXX  : XXXX : FRAUD : IDTHEFT : NEVER HAD ACC
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have attach my proof of ID and address.
Product: Debt collection

This company continually calls me from new numbers and area codes ; without written consent unfairly submitted my information to my credit report damaging my credit causing me XXXX XXXX and now XXXX getting denied for credit cards and loans to help my family.
Product: Credit reporting or other personal consumer reports

Experian and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's and XXXX 's inaction violates federal law and my rights as a consumer. The accounts in question are below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XX/XX/XXXXAccount # 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 an account without my written instructions.

I have sent 3 letters for a 3 credit bureaus on XX/XX/ and have not gotten a response. The open dates are inconsistent on all 3 bureaus.
Product: Credit reporting

Trans Union is being willfully Malicious by failing to timely and accurately update my credit report as required by ( FCRA ), 15 U.S.C. 1681 et seq. 
Original Dispute was filed on XX/XX/XXXX. To date, still not resolved, albeit the XXXX other major credit bureaus have acted in conjunction with the credits required to correct the inaccuracies. 
Specifically, referring to the XXXX XXXX XXXX XXXX ; after I called XXXX XXXX today ( XXXX/XXXX/2016 ) @ XXXX to ascertain the accuracy of the inaccurate information, I was advised that they did not submit any/ that information as they have ceased to report that account since XX/XX/XXXX .It was also observed that Trans Union has `` re-aged '' the reporting of that account to XX/XX/XXXX. 
Inaccuracies continues with my XXXX XXXX XXXX to date, notwithstanding corrections issued by the creditor since XXXX XXXX, 2016. Please see the attached. 

Please see prior unresolved complaint : Case number : XXXX
Product: Payday loan, title loan, or personal loan

This account was open as fraud. I was not the one who open this account
Product: Debt collection

First Portfolio Ventures LLC has put a judgement on my personal checking account. They do not hold an active XXXX bond in Texas. They hired XXXX XXXX, who are actively bonded in Texas, but this NOT enough to get around the bond requirement, per Texas Finance Code 392. This is an unlawful attempt to collect a debt that I was not properly notified of nor made properly aware of where the debt originated. This debt was charged off by the original company and placing judgement against me by a collection company NOT bonded in the State of Texas. And once they hired attorney to take over made this claim and therefor the judgement placed on my acount unlawful in the State of Texas.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Hunter Warfield I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Debt collection

I received a text from something called the CBE Group. Seems there are a lot of complaints about them on the internet. In the text they say that I need to contact them. No reason was stated. I have received nothing in the mail from them and have no knowledge of any debt that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received a letter in the mail on XXXX XXXX,2017 and it stated that Equifax had suffered a data breach. And that they understand there is a possibility that my personal information might have been exposed. So it said to go to the www.equifaxsecurity2017.comXXXX to determine if I have been potentially affected and to sign up for credit file monitoring and identity theft protection. So I went to that website and it says that yes your personal information has been exposed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Account Discover Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also with a PAST DUE BALANCE of {$2400.00}. 
This is a violation of requisite XXXX Complaint reporting standards. 

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove the account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Since XXXX, several attempts have been made by me and by different credit repair company 's to dispute inaccurate collection accounts on my credit report by Midland Credit Management. I have disputed and contacted the aforementioned debt collection agency, yet, they continue to provide inaccurate and altered documents to show that a debt is still owed. In XXXX of XXXX, upon calling the agency to clear up the inaccurate collection accounts, the agency stated that they no longer show or have any accounts associated with my name or the alleged account numbers, yet the accounts have remained on my credit report causing me to be denied approval for loans or offered extremely high interest rates. After pointing out inconsistency in documents sent to me by the agency, they still refuse to remove the debt and have since ceased to discuss my account with me stating that I have an attorney involved, which I don't, that prevents them from speaking with me. I would like for the collection accounts to be removed from all credit reporting agencies data, as it is inaccurate and causing negative impacts, thus violating my fair credit reporting rights.
Product: Debt collection

This account has appeared on my credit report and i am not familiar with this company LJ ROSS ASSOCIATES Alleged Debt # {$5100.00} ACCT # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account or my consumer credit file I have tried several times to dispute this collection account with them, but they have not responded to any of my messages. After asking them to provide the full name and Social Security of the person and whom, this account belongs to I have realized that the name on this account is not me this account belongs to a XXXX XXXX XXXX XXXX which is not me, and this name is not present on my credit file. please remove this incorrect information and this collection account immediately. 

XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX  XXXX  {$4900.00} XX/XX/XXXX XXXX XXXX  {$840.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit card or prepaid card

This issue is related to XXXX XXXX XXXX offer added to my account. Per offer, I was supposed to receive {$25.00} back after enrolling for a new membership at XXXX XXXX XXXX. However, after waiting for a few days, I contacted CS to see why the credit did n't post. At first, I was told that the charge posted for this offer does n't qualifies for the credit. After explaining to CS that it does qualifies, an investigation was opened up. Today, I inquired on the status and was told that the charge was not valid. I got disconnected before I could respond. When I inquired again, I was told the investigation is still on going. I am not sure if the issue is actually being investigated or not since I have received conflicting answers from CS. Can someone from the executive team look into it? I joined XXXX XXXX as a new member and never had a primary membership. I have emails from XXXX XXXX which was sent out after I took the membership online. Please let me know if you need any other information. Since I can not post my card number here, you can find me by my email address - XXXX or by my zip - XXXX.
Product: Mortgage

In XX/XX/XXXX we entered into a forbearance agreement with Mr. Cooper Mortgage. I was informed that we would be in this forbearance until XX/XX/XXXX & that no payments would be due until XXXX XXXX XXXX XXXX. However, we could login or call anytime to make a payment of any amount along the way. I do not recall being told we would continue to receive daily calls asking for payments during this initial phone call & setup process. 
Yet, here we are & I get calls twice a day, sometimes during the evening at XXXX as I'm putting my infant to bed, asking if I 'could afford a larger payment today '. I find this unacceptable & a bit humiliating to have to repeatedly explain our rough financial situation, all the while skirting & dodging calls from my mortgage company that's hounding me daily, for payments when we're under a mutual agreement that no payments are required until XXXX XXXX XXXX XXXX. It was to my understanding that entering into this forbearance was the company 's way of giving us a grace period to catch up. But I do not feel relieved or like I've been given any time to actually breathe & catch up. With the constant calls & demands for payments, that I do not have ( or they'd be posted to the site amongst the other 's we've made so far! ) I am left feeling frustrated at my company 's so called 'customer service ' & like some sort of thief on the run from a loan shark.
Product: Credit card or prepaid card

My monthly card payment of {$15000.00} was paid twice on XX/XX/2023. I had manually scheduled a bank payment of my monthly statement balance several weeks ago. Maybe two weeks later I went to Barclays webpage and signed up for their service that automatically pays the monthly balance so that you don't forget. Bottom line... when XX/XX/XXXX comes ( monthly statement due date ) Barclays generates two payments from my bank account both for {$15000.00}. My account now has a CREDIT BALANCE of over {$13000.00}. I called Barclays on XX/XX/XXXX. The rep clearly saw what had happened with the double payment but had no interest in fixing it. She told me Barclays would have to investigate and would need up to two billing cycles ( 2 months ) to resolve it. I was shocked. There are not too may households that can have a {$15000.00} hit to their bank account and not cause huge problems. I ask the rep what sort of interest they were planning to pay on keeping my money. She did not reply. 
This is outrageous..
Product: Checking or savings account

A professional scam artist portrayed himself as a licensed contractor, took a check from me and made up the number he wanted to be deposited and deposited it. I tried reaching out and fighting my bank and they were not able to help. Based on the information i have seen now seeing this guy is famous for scamming in XXXX california. He builds trust and then tries to take all of your money
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX. MY PHONE IS XXXX. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX. I HAD A SECURED CREDIT CARD ACCOUNT WITH CITI BANK SINCE ONE YEAR NOW AND I DECIDED TO CLOSED IT SINCE THREE MONTHS AGO BECAUSE I NEED MY FUND TO PAY MY BILLS DUE TO THE PANDEMIC, I HAVE NOT WORKED FOR A FEW MONTHS NOW AND I NEED THE FUND TO PAY MY BILLS BUT EVERYTIME I CALLED THE SAID THE FUNDS IS ON THE WAY TO ME FROM SINCE LAST MONTH BUT I HAVE NEVER RECIEVED ANY. MY ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX. I ALSO HAD CHARGES THAT WAS REFUNED TO ME ON THE ACCOUNT BUT SINCE I CLOSED THE ACCOUNT THE PUT BACK THE CHARGES THAT WAS REFUNED AND REMOVED FROM MY FUNDS WHICH I HAD TO PAY. THESE CREDIT CARD COMPANYS DON'T CARE ABOUT HOW MUCH PEOPLE HAVE TO STRUGGLE IN LIFE BUT ALL THE WANT TO FIND A WAY TO RIP YOU OFF, THIS IS ONE OF THE MAIN REASON WHY EVERYONE HAVE HAVE TO SUFFER THIS PANDEMIC. THER ARE NO HONESTY NO SYMPATHY FOR ANYONE, EVERYTHING THAT MATTERS IS MONEY AND POSITION NOTHING ELSE. I WOULD BE GREATLY APPRECIATE YOUR HELP AND YOUR SUPPORT ON THIS MATTER AS SOON AS POSSIBLE. THANK YOU. 
XXXX XXXX.