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

XXXX left my checks on the door step not knowing I'm already going through identity thief and I had someone there to receive the package the delivery guy left it on the door step without knocking on 4th e door at ALL and now someone done cashed my check and they dnt want to give me a refund when I asked from a signature to be signed for IT. I wasit with my fiance for my birthday.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against the rip off companies XXXX, Transunion and XXXX. It is ridiculous that I have sent 2 letters on XX/XX/21 and XX/XX/21 and still have not received notice that a investigation has even started nor have I gotten any resolution! In my letters it details my disputes about the falsely inaccurate accounts on my Credit report that have been reported by these companies. The negligence I have experienced as a consumer isn't right and I just want to be treated fairly as the FCRA laws permit me to, I come to the CFPB as I need help to be properly addressed in my dispute and not ignored for almost 6 months. 

I want original documentation to be provided by these companies to support their claim to be supposedly reporting accurate Information. Failure to do so should result in deletion of the accounts and false late payments found on my report. Failure to mark these accounts " in dispute '' on my credit report is a FCRA violation along with not responding after 30 - 45 days is ground to have these accounts removed alone! I will sue if I am taking Advantage of further!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 30 days Late Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargedoff Past due amount {$180.00} Fraudulent Account : XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charged off Past due amount {$530.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$170.00} Fraudulent Inquiries XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$6000.00}
Product: Money transfer, virtual currency, or money service

I ordered XXXX a cryptocurrency from Coinbase and have not yet gotten my order. The order was placed on XX/XX/XXXX and was promised XX/XX/XXXXand I have yet to receive the order. These cryptocurrencies are highly volatile and can cause financial loss. I have reached out to the company multiple times and have not gotten a response. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Product: Debt collection

Received repeated phone calls and letters attempting to collect debt. Agent XXXX XXXX contacted me in XXXX and at that time I requested further communication via regular mail and to confirm the original creditor. Agent became belligerent regarding his prior attempts to collect the debt and also proceeded to collect by offering a settlement prior to confirmation of debt and original creditor. I sent a letter to agent certified with return receipt requesting confirmation of original credit and debt in XXXX. I have yet to receive any written confirmation from agent as of today.
Product: Credit reporting or other personal consumer reports

I lost my wallet in 2019. Around that time, ive notice unauthorized accounts starting to appear on my credit profile.
Product: Mortgage

Hello, I have been trying to short sale my home with my Broker XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX. We have had the home on the market for 4 months and have had offers. The home is not worth the asking price that was set by my Lender Plant Home Lending. It is XXXX over the market value and nobody is looking at the house. The bank asset manager claims that the private investor will not take less than the XXXX value but the home is only worth XXXX. I have repeatedly asked for copies of the appraisal and was told no, they do not give them out. I feel I have been treated unfair by this lender because they are forcing me to do a Deed In Lieu because the home is in fairly good condition and they can turn around and resell it for a profit. My husband and I are elderly and are on SSI and that is the reason we got behind in our payments. If we do a DIL and not a short sale, we might not be eligible for low income housing. Can you please help me? My bank contact was XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Seccin States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below. 

XXXX XXXX  XX/XX/24 EXPERIAN  XXXX XXXX  XX/XX/24 EXPERIAN
Product: Checking or savings account

My account had fraud and I filed a police report. In total, PNC has charged {$510.00} claim with XXXX. Yesterday, this 1 derogatory credit file prevented me from opening a credit union account. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought my house less than a year ago, since interest rates were low, I wanted to refinance even though it hasn't been a year. I called the same mortgage banker on my bank which is Bank of America, I explained every details to that person which he knew I received my loan from him also he works for the same bank he was able to see my loan amount etc which I already told him all those information.

I told him I am interested to reduce my mortgage to 20 years or 25 years, we agreed on everything and he asked to run my credit I gave permission him to run. After he ran my credit he told me that because of the loan amount is too much, I can not get 20 or 25 years. my credit score came expected ( more than 740 which they were looking for ).

He knew the loan amount, he knew that I am interested with 20 or 25 years, he should be check before ran my credit. He asked my permission yes, but he gave me wrong information to run my credit ...

I contacted with his manager to solve the issue couple of times and send couple of emails, last time he told me that, I gave permission to run my credit this is all that matters, they don't have a way to remove that hard inquiry.

Mortgage rates are still getting lower, I would like to refinance maybe with different lender, however now my credit score will low just because of that unnecessary inquiry ...
Product: Checking or savings account

I went into there branch and made a deposit into my account and after i saw the deposit slip i asked the teller why she didnt give me a partial credit like i always get then i asked to speak to a manager when manager arrived i told that i have been a client of wells fargo since 1996 and that i have latley espacialy when i moved my office to this banks area a decline in service she got very rude and i did the same the fallowing week or XXXX i went in tried to make a deposit was seen by a gentelman called XXXX as he was taking the deposit she left here office and came did not look at the computer and said she cant take the deposit because my account is being closed i went outside called loss prevention and was helped by a very kind lady that said no she has to take the deposit beccause accout will not be closed till the XXXX of XXXX i asked here to stay with me on the phone because i knew i will have issue with on the i walked in she came out of here office again and i told here i have loss prevantion on the phone and that say i can make the deposit and asked if she wanted to talk to them she said took her phone out of her pocket and called and came back after XXXX min and instructed XXXX to take deposit Please not she keept refering to me as XXXX XXXX even though i told here XXXX  times to call by my name which to here was XXXX  XXXX after that i got a call from a lady that she will look at it and she will try to help me keep the accounts open but friday i recived and email an email telling me that she didnt find anything wrong and that they will move forward with the closer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

XX/XX/XXXX : A consumer complaint was filed for Case Number XXXX with the State of Alaska against XXXX XXXX regarding an outstanding balance on my account. 

XX/XX/XXXX : XXXX XXXX submitted this outstanding balance to a collection agency without my knowledge or consent. 

XX/XX/XXXX : The collection agency reported this debt to all three major credit reporting agencies ( XXXX, XXXX, XXXX ) without providing any validation of the debt. 

XX/XX/XXXX : I sent a written request to the collection agency for debt validation, as I believed the debt was in dispute. 

XX/XX/XXXX : In response to my request on XX/XX/XXXX, the collection agency sent me a bill instead of a proper validation of the debt as required by law. 

XX/XX/XXXX : I sent a second notice to the collection agency requesting proper validation of the debt. 

XX/XX/XXXX : The collection agency sent a notice stating that the collection account had been removed. 

XX/XX/XXXX : I notified the collection agency that requesting debt validation by reporting it to a credit bureau is not a lawful way of seeking validation from the consumer. I indicated that, by doing so, the collection agency had reported false information to my credit report, and legal action may be necessary to resolve this matter.
Product: Checking or savings account

We have been a Wells Fargo customer since 2018 but have had consistent issues with surprise overdraft fees. We NEVER OPT IN for overdraft protection yet, Wells Fargo continuously authorizes point of sale transactions that ultimately result in a notice the following morning of insufficient fund charges. To make matters worse, the transactions are usually less than {$10.00} but we are charge {$35.00} for each transaction. This starts a domino effect so more overdrafts and fees follow. If the funds are not available at the point of sale, Wells Fargo shouldnt authorize the charges. Authorized charges should reflect in a reduction in the available funds balance. I am XXXX and living on a limited income. I receive enough XXXXI that I should be able to pay my bills yet, because of these surprise overdrafts, each month, I seem to have a negative account balance that exceeds {$300.00} plus. This reduces my monthly XXXX direct substantially leaving me in dire financial straights.
Product: Debt collection

I sent AMEX a letter requesting information and they responded only by ignoring my information request. AMEX has violated my federally protected consumer rights.
Product: Checking or savings account

They never answered me with details of this account. They said it was frozen, now they say it was closed. Insufficient reply, without all the account details. Just to say the account is closed is not good enough, especially when th e U.S. Justice Dept. Had a case against this bank when it failed, regarding corruption. The bank name was *Affinity and it changed to *Pacific Western Bank . I 'm requesting an inv estigation as a consumer, with your agency.
Product: Money transfer, virtual currency, or money service

Date XX/XX/year> for $ XXXX I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statements to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XX/XX/year> XXXX. XXXX  : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

In XX/XX/2021 right before the stimulus checks were deposited they credited the account {$76.00} without my knowledge claiming my account was overdrawn and it was not. This credit was given without sending out any notification and then was debited from the account months later again without notification resulting in overdraft fees and will not refund the fees.
Product: Debt collection

On Wednesday XX/XX/XXXX, I received a letter from XXXX XXXX, a firm located in XXXX, FL. I initially thought it was a scam since I do not live, work, or have any contacts/close connections in the state of Florida. XXXX XXXX was informing me that I was being sued in the state of Florida and upon doing some research, I was able to confirm that on XX/XX/XXXX XXXX XXXX from Zwicker & Associates PC had filed a lawsuit with the XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. Case # XXXX with judge XXXX XXXX, XXXX XXXX. This is a frivolous lawsuit as I do not live or work in the state of Florida. The CFPB should conduct a full investigation against Zwicker & Associates PC and assess fines for their unethical debt collection practices. The FDCPA is very specific in that a debt collector can only sue where the defendant currently resides. Under the Rules of Civil Procedure, a Plaintiff wishing to sue must do so in the proper jurisdiction and venue, or county and state court. This helps ensure that Defendants are physically and financially able to attend court hearings and that Plaintiffs can not forum shop or choose the state where the law most favors them and then file their lawsuit there. The proper place to sue is the county and state where the defendant lives. Not only do the Rules of Civil Procedure apply to creditors and debt collectors who are filing a lawsuit, but the Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) also require that lawsuits against debtors be filed in the county and state where the debtor lives. If XXXX XXXX Bank had a claim against me I should have been notified at my home address here in the state of New Jersey. I should have also been given the opportunity under FDCPA to have this debt validated/verified as I was a victim of fraud in XXXX. If XXXX XXXX who I dont know from a hole in the wall was able to notify me here in my home in NJ than so should XXXX XXXX Bank and Zwicker & Associates PC .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ACCOUNT XXXX XXXX HAS RECEIVED A PYMENT FROM ME ON THE BALANCE THAT THEY CLAIMED WAS PAST DUE. CHECK WAS CLEARED ON XX/XX/2019 BUT XXXXXXXX XXXX STILL REPORTED IT AS PAST DUE FOR XXXX, XXXX, XXXX AND NOW XXXX THIS IS DAMANGING MY CREDIT EVERY MONTH ESPECIALLY WHEN I RESOLVED THE BALNACE AND THEY AGREED TO ACCEPT PAYMENT IN LIEU OF DELETION. BUT PAYMENT WAS NOT POSTED AND ACCOUNT WAS NOT DELETED FROM THE REPORT, WHY? ISN'T THIS A VIOLATION OF MY RIGHTS UNDER CFPB? I'M PREPARING MY COMPLAINT TO FTC AND ATTORNEY GENERALS OFFICE AS THIS IS UNACCEPTABLE ... IGNORANGE FROM XXXXXXXX XXXX  ...
Product: Payday loan, title loan, or personal loan

I requested a loan for {$600.00} on XX/XX/2022, loan XXXX XXXX. They made me sign the payment agreement before they disclosed their 642.51 % APR so I could not back out of it and they transferred the money to me immediately. According to them, I will pay {$3200.00} in 20 payments for a {$600.00} loan! I have made 9 bi-weekly payments of {$160.00} so far totalling {$1400.00}.
Product: Credit reporting

Two tax liens are incorrect and reporting with Transunion. I have searched my name under Georgia Department of Revenue site under delienquent taxes and results list " no date found '' ( screen shot attached ), at the following Georgia State Department of Revenue website below XXXX/Search.aspx
Product: Mortgage

I have a mortgage through SunTrust Bank. Due to Covid-19 I am currently laid off. On XX/XX/2020 I have contacted my mortgage company about deferring payments for 90  days, they told me to contact a specific number XXXX XXXX XXXX. On XX/XX/2020 I called and I was transferred from XXXX XXXX XXXX to the Covid-19 assistance number. I was on hold for 1hr 30min 46sec and then the call was disconnected. I called the XXXX XXXX XXXX number on XX/XX/2020, I was on hold for 1hr 46min 34 sec  and then the call was disconnected. I called XXXX XXXX XXXX on XX/XX/2020, I was on hold for 2hrs 19min 26sec and then the call was disconnected. I have also tried to message the company through their messenger system on XX/XX/2020. I was told I would get a response in 1-2 business days, on XX/XX/2020 the chat was closed by the company with no response to my inquiry other than to call the XXXX XXXX XXXX number which I have been calling since XX/XX/2020. I called XXXX XXXX XXXX again on XX/XX/2020 and I am still on hold with them with no response.