23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have XXXX direct deposits, that have not showed in my account and were completed by the depositors on XXXX. XXXX XXXX can not find the transactions and says I will have to resubmit them when there systems are fixed. The depositors will not resend payment due to the payments showing as completed on their end and now I am out {$570.00}
Product: Credit card or prepaid card

I reserved a rental car through 'XXXX  '' on XX/XX/20 for the amount of {$1100.00}. They asked for my flight itinerary, I spoke with a representative, and they assured me someone would be there when my flight landed at midnight. When I landed they were closed for the day and I was not able to get my rental car. I immediately disputed the transaction, and since I was on vacation I was unable to talk to XXXX  during the remainder of the trip. 

Capital One approved the dispute only later to recharge me. The only reason I got for not having my charge refunded was the inability to provide a receipt of the transaction. What Capital One is failing to realize is I never received the receipt nor vehicle because the company failed to provide the service I paid for. I have talked to multiple people from Capital One, all of which have been of no help. After explaining the situation the first time to the first representative he told me he doesnt see how capital one would not accept my dispute. But months later Capital One declined my request and charged me the money for a rental car I never received.
Product: Debt collection

TransUnion this is your NOTICE OF VIOLATIONS Under 15 U.S. code 1681b- 15 USC 6802 ( b ) and ( c ). I was never provided any notification on paper as to whether or not I wanted the transaction reported. The company had an obligation to fulfill and failed to do so. INQUIRIES 1. XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX All of these accounts are third party debt collector they do not have a enforceable contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the UNITED STATES The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DOCUMENTS IN QUESTION ARE SUBJECT TO THE PRIVACY ACT OF 1974 Contents shall not be disclosed, discussed, or shared with individuals unless they have a direct need-to-know in the performance of their official duties. Deliver this/these document ( s ) directly to the intended recipient. THEY WERE NOT TO BE drop off with a third-party. To be used on all documents containing personal information The document ( s ) contained my personal or privileged information and should have been treated as For Official Use Only. Unauthorized disclosure of this information may result in CIVIL and CRIMINAL penalties.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my credit report shows an outdated address as [ XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 lost funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On Tuesday, XX/XX/2021 at XXXX XXXX I added my husband to my credit card as an authorized user. Monday, XX/XX/2021 we received my husbands credit card in the mail. When I attempted to set up the credit card I noticed he was no longer on the mobile account as an authorized user. I did not make this change. Upon learning this, I called Capital One and asked them if they could help me fix this issue. They explained to me that they couldnt but when I go to attempt to add him back as an authorized user or account manager the mobile app and computer states hes already on the account as a authorized user. I dont feel as though Capital One is being forthcoming with their resolution process and when I asked why my husband cant be added back I was told by a supervisor that he didnt know and it was proprietary information so in essence my husband is unable to use a feature on my credit card which I would like to grant him access to that benefits both him and I. I also did not find any policy or procedure that states any resolution or that he cant be added after mysteriously being removed.
Product: Checking or savings account

I was using chime more than one year. I have all my paychecks that i deposited into chime account. I talked to their customer service and they did not give any information why they suspended my account. My checking account balance was {$68000.00}. I sent all my documents to their emails and no body was responding to me. They kept my money by force. Because they dont want answer why they suspended my account.
Product: Credit reporting or other personal consumer reports

I requested a copy of the 1099C ( Cancellation of Debt ), that American Express should provide since what's reporting on my credit report status as being charge off. If in fact it has been written/charge off then American Express should provide me with a copy of the 1099C ( Cancellation of Debt ). If they did not write the account off then why is it reporting on my credit as a charge off account which would be inaccurate reporting as well as false information and fraud. I need a copy of the 1099C ( Cancellation of Debt ) and its entirety.
Product: Debt collection

Subject : Debt Validation Request for alleged debt- Account # XXXX To whom it may concern, I am writing to formally request validation of the debt associated with the alleged debt XXXX, for which I am the personal guarantor. As the guarantor, it is crucial for me to ensure the accuracy and legitimacy of the debt I am being asked to satisfy. I hereby request debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I kindly request that you provide me with the following information : 1. Verification of the existence of the debt and the amount owed, including a breakdown of principal, interest, and any other charges.

2. Detailed documentation outlining the loan agreement, including the terms and conditions, interest rate, repayment schedule, and any relevant amendments or modifications.

3. Proof of your authority to collect this debt, including any assignments or transfers of the loan.

4. Verification that the statute of limitations for collecting this debt has not expired.

5. Copies of any statements or records pertaining to the account, including loan statements, payment history, and any correspondence related to the loan.

I want to emphasize that until sufficient validation of the debt is provided, I dispute its validity. According to the FDCPA, you are obligated to provide the requested information within 30 days of receiving this letter. Failure to validate the debt will lead me to assume that the debt is not valid, and I will take appropriate actions to protect my rights.

Furthermore, I kindly request that you halt any collection efforts until the debt has been properly validated. This includes any attempts at communication, whether by phone, mail, or any other means.

I am hopeful that we can resolve this matter amicably and address any potential misunderstandings. Therefore, I kindly ask for your cooperation in providing the requested documentation within the specified time frame. Please send all correspondence to the address listed above.

Thank you for your prompt attention to this matter. I anticipate receiving the requested information and resolving this issue in a timely manner. 

Sincerely, XXXX XXXX Representative All Rights Reserved.
Product: Credit reporting or other personal consumer reports

Transunion removed XXXX XXXX account off of my report without cause.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 failed to protect consumers, but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I am a victim of identity theft. On XX/XX/XXXX I sent a notarized personal statement to Transunion listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). As of today XX/XX/XXXX I have not received a Transunion credit file. This credit file still shows 2 fraudulent address ( # 1- XXXX XXXX XXXX in XXXX , Tx XXXX, # 2- XXXX XXXX XXXX XXXX XXXX in XXXX, Tx XXXX ), 5 fraudulent accounts ( # 1 XXXX XXXX  # XXXX, # 2 XXXX XXXX  XXXX XXXX , # 3 XXXX XXXX XXXX , # 4 XXXX XXXX XXXX , # 5  XXXX XXXX XXXX and 2 fraudulent inquiries ( XXXX XXXX XXXX on  XX/XX/XXXX and # 2- XXXX on XX/XX/XXXX ) and 2 fraudulent employers ( # 1 XXXX XXXX and # 2 XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX ) which means Transunion is in violation of the Fair Credit Reporting Act.
Product: Credit reporting

I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing XXXX accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. Account # XXXX.
Product: Checking or savings account

XXXX XXXX : I called chase to file a fraud/scam that occured. I was scammed and sent someone money through XXXX  from the chase app. I called chase right away, the funds are still pending then.I was on hold for more than an hour. I wanted to file a claim, the representative who helped me got some info, and in the end, i was told that they do not have a XXXX  protection, therefore, am not able to file a claim and they can only post it as inquiry. 
This is a serious matter and I wasnt taken seriously. He even said it at first, that the funds that was sent was still pending so they may be able to stop it.Chase did not help me at all to get my money back. It was {$2000.00}. And thats alot to me. I made a mistake falling to scammers but i called my bank right away, hoping that they can protect my funds but nothing was done. Not even a claim but an inquiry.
Product: Mortgage

In XX/XX/XXXX, I entered the XXXX payment relief program under the XXXX XXXX  which initially deferred my mortgage payments for six months. In XXXX, I extended the deferment for an additional six months. 

On XX/XX/XXXX, I received correspondence stating that I needed to call Wells Fargo to formally end the forbearance program. I completed this call at XXXXXXXX XXXX, which lasted XXXX minutes. During the call, I confirmed that I no longer needed assistance and would resume my regular payments. Since then, I have not missed any payments. 

However, in recent correspondence, Wells Fargo stated that I owe the entire deferred amount of {$14000.00} and has indicated that they are moving forward with foreclosure proceedings. According to them, this issue stems from my failure to sign certain documents at the end of the forbearance period. My understanding, based on my XX/XX/XXXX call, was that the forbearance was officially concluded. 

Throughout this process, Wells Fargo persistently suggested a loan modification, which I repeatedly declined, as it was not the assistance I sought. Despite this, they continued to send modification documents. I consulted my original mortgage loan officer, who recommended the XXXX XXXX forbearance as a suitable option, something Wells Fargo had not suggested. They still appear focused on promoting a loan modification, which would likely increase my payments. 

My goal is to complete the payment deferment as initially discussed, with the deferred payments added to the loan balance, as Wells Fargo originally indicated. Currently, they are pursuing foreclosure on my home, which has a balance of {$110000.00}, with an approximate market value of {$320000.00} to {$350000.00}. Given the circumstances and as a member of a protected class, I find this treatment and the resulting foreclosure actions to be highly concerning and potentially predatory. 

I sought relief from Wells Fargo, which they accepted, but now, due to unclear paperwork requirements and their repeated focus on a loan modification, they are threatening foreclosure. This situation has created significant financial and personal stress, especially given the risks associated with modifying my loan in a way that may ultimately be financially unfavorable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Experian refusing to investigate Please delete asap
Product: Mortgage

My ex-husband and I had a home equity line of credit with Bank of America ( CLOSED acct # XXXX ). The home was sold in XXXX, had never been late or delinquent since opened in XXXX. Almost a year later, after closing, while applying for a loan for a vehicle, we pulled our credit and saw a " past due balance of {$200.00} '' that was being reported as delinquent. We had no idea. We called Bank of America and were informed that this balance was " interest that had been accruing during the short sale process '' ( all mortgage payments were made on time during the sale process ). Somehow an error had occurred during closing and this interest/balance was just sitting out there and not included in the final fees... someone saw the mistake and tacked it on AFTER THE CLOSING. When we found out, we offered to pay the balance to clear our credit and we were informed that we " could not make a payment on a CLOSED account ''. They basically said there was nothing that could be done because the account was CLOSED. We continued to contact them to attempt to resolve this, no luck. Last year, while attempting to purchase a home, this was a major problem again and we began battling with them again. Each agent I spoke with said that there are notes in the record documenting what happened ( an error with interest that was NOT a part of the closing, could NOT pay on a CLOSED account ) but there was nothing they could do about how it was reported. Last year after multiple calls again, and agent stated that their " policies had changed '' and they said that it was NOW POSSIBLE to pay on a closed account. I paid the balance of {$200.00} that day and it now shows as " paid as agreed '' on my credit report. However, it is reported differently to the 3 major agencies and when a bank pulls my credit, it shows as " past due '' and " delinquent for 23 months '' ( the time between when it started and their policies changed allowing me to pay on a closed account )... which still negatively impacts my credit and I was denied for a loan 4 times because of this... this is the only NEGATIVE on my credit report. This should NEVER have been reported as " past due, delinquent, etc. '' This was an error on Bank of America 's end at closing to begin with, it was tacked on AFTER CLOSING and we were NOT INFORMED, when we realized this we attempted to pay immediately and were NOT ALLOWED to pay because it was a CLOSED account, our multiple calls, attempts to pay, and Bank of America statement of what happened is reportedly documented on the file ( per several agents ), and once their policy changed I paid this {$200.00} balance the same day. I would like the historical report of a " past due {$200.00} '' TOTALLY REMOVED from my credit report. Because I paid it in XXXX, it will now be reported again for 7 years from the date of last activity. This is not fair, as it was not my fault to begin with, as noted above. This has unjustly, negatively impacted my credit, ability to get a mortgage, and ability to get the best rates for years.
Product: Checking or savings account

My direct deposit was due today and they are having some form of technical difficulties. They are not giving consumers an estimated time of when this will be fixed. I have been checking my account all day. This is a problem for me because its now affecting my livelihood, I cant pay my bills. I have bills that are due now I cant pay anything because they are withholding my check and then when you call they wan na get you know Very intelligently inappropriate with you because youre asking whats going on and when and you know because this is your money, I dont understand why this bank is having this problem. This is unacceptable for a bank, such as Capital One. Their technical difficulties is not my technical difficulties, nor is it any consumers issue. This is an unfair situation. I am not able to pay my bills. I am not able to put gas in my car I am not able to do anything that I need to do for my livelihood right now because they are withholding my proceeds. This is inhumane unacceptable and this has to be addressed. I have my car insurance thats due right now if I dont get my direct deposit, this can cause a very big problem for me as far as my drivers license is concerned these conditions should not be happening with this enormous bank as large as this bank is why are these things happening me as a consumer this is really affecting my livelihood and I need to be compensated for all of this. I told the supervisor that I was speaking with that. I was going to file this complaint and she was very XXXX to say oh sure go right ahead. We will be more than happy to let them know the same thing are you kidding me? CFPB please talk to these people, please.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this tuation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all iformation associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX Collection {$0.00} XXXX  XXXX Collection {$240.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$240.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX  XXXX XXXXXXXX Charge-off {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$690.00} XXXX XXXXXXXX Charge-off {$400.00} XXXX XXXX XXXXXXXX Charge-off {$1700.00} XXXX XXXX Charge-off {$0.00} I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 
1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no problem with my XXXX student loans, other that to claim that XXXX automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from XXXX to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.