23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX presumed that mo proof of the alleged debt. Nor therfore any such debt in fact therefore exists. ( Please remove these accounts before i seek litigation for defamation of character ) XXXXXXXX XXXX XXXX XXXX bal. {$9600.00}, XXXX XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX bal. {$1800.00}, XXXX XXXX bal. {$970.00}, XXXX XXXX bal. {$190.00}
Product: Money transfer, virtual currency, or money service

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. I lost {$390.00} in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated yet how is that possible if the open date is inaccurate, the last active is inaccurate, and date last reported is not accurate. This grounds for removal as they also violated my rights under 15 USC 1681 Section 602 a : States I have the right to privacy. 

15 USC 1681 Section 604 a : Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

18 USC Chapter 13 Subsection 241 : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. 
Also the Credit bureaus took more than 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 
The account in question is as follows : Account Name : [ XXXXXXXX XXXX XXXX XXXX Date Listed : [ XX/XX/year> ] The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXXXXXX XXXX XXXX XXXX XXXX the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Mortgage

Once again XXXX XXXX XXXX XXXX XXXX now represented by Harmon Law PC ( attorney XXXX XXXX ) is attempting to use the name XXXX XXXX again, this time on foreclosure actions and has already been told to stop using it, and XXXX promised to stop using it!!. XXXX XXXX was on the XXXX deed as Co Joint Tenant meaning his name is removed at death which ocurred in XXXX and XXXX already has the death certificate. I am demanding Harmon Law PC and any other representative of XXXX XXXX XXXX XXXX  XXXX stop using it!! IMMEDIATELY!!!
Product: Credit card or prepaid card

On XXXX XXXX, 2020 I ordered merchandise online from XXXX XXXX {$71.00}, which Barclays charged to my Credit Card on XXXX XXXX, 2020. 

XXXX claimed that it was delivered to me twice ( I do not know why one order will be delivered two times ) : 1. XXXX XXXX, 2020 - at XXXX XXXX  - XXXX claimed also that I receipt of the order, which was IMPOSSIBLE because I was on training at the Census Bureau, which is more than 10 miles from my apartment. 

2. XXXX XXXX, 2020 - The Delivery Man of XXXX admitted that he was not able to access ( enter ) the apartment building. Which is true because all people without key to the building must dial the number of the Tenant and in return the Tenant must pressed a certain number to open the gate of the building. 

So the Delivery Man was not able to enter the building for the second time. 

THERE WAS NO DELIVERY OF THE ORDER, FIRST OR SECOND, JUST ATTEMPTS, STILL BARCLAYS BELIEVED THERE WAS AND DOES NOT WANT CREDIT MY ACCOUNT FOR {$71.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name XXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting

Transunion : Unable to resolve the dispute via their webpage as they seem to just want to sell me a credit monitoring service..
Product: Prepaid card

I received a {$200.00} American Express eGift Card on XX/XX/2023 from my job. Unfortunately, I am unable to spend it. I have tried using the card online with multiple retailers and also linked it to my XXXX XXXX ( as per AMEX ) to use in stores. It is always declined, regardless of the transaction amount. Multiple websites state unable to obtain authorization. 

Two retailers put small holds on the card, which did fall off after a few days. The card is active, but Im unable to access any funds. 

I have followed the directions provided my Amex, always selecting credit and spending below the gift card balance.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO  PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report.I believe someone tried to use my social security number for personal gain. On XXXX I sent a letter to the credit reporting agency regarding inaccurate & unknown items on my report and they have not responded and it has been exactly 60 days since then. Section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove those items from my report so they should be deleted promptly. I demand these items be removed or I will file for litigation. My information was also impacted by the Equifax data breach and my information may have gotten into the wrong hands.
Product: Consumer Loan

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Checking or savings account

I deposited the Money Order on XX/XX/XXXX it was approved the next day a hold was put on my CASH MONEY this money order was cashed on XX/XX/XXXX that XXXX XXXX as stated funds were released on the XX/XX/XXXX CASH MONEY this was a Money Order Cashiers Check this was done by the XXXX CA brach with the two very bias Predjuice Bank mrg.XXXX XXXX and XXXX XXXX deceitfully and illeagall holding My CASH MONEY without any reason they have received the funds and has refused to release the hold off my CASH MONEY when XXXX XXXX has confirmed the Money Order was CASHED XX/XX/XXXX this is FRAUD and they are FRAUDULENT holding my CASH MONEY till XX/XX/XXXX WHY?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. 



The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Accounts in good standing for 20+ years.

1. Bank abruptly decides to close account - allegedly for " operating a business type that we have chosen not to service '' ( for reference I work in the medical IT 
consulting field - specifically Covid projects ) - give 30 days " non-negotiable notice '' and XXXX number to call " with any question ''. 
2. 1-851 line is a scam - staff consistently answers with : " we can not give any explanation ( s ) '', " we can not discuss any bank policy ( ies ) '', " all we can do is confirm that closing notice is final ''.

3. Bank abruptly changes reason of account closing to " like you asked us to '' - After many calls - including one from my same bank personal wealth management associate NO INFORMATION OF ANY SORT IS PROVIDED NOR CAN BE OBTAINED.

4. I stop making payments and send a letter requesting details/contacts re : whom allegedly requested accounts to be closed. I receive a letter back stating " we are unable to process your recent inquiry [ .. ] with the information provided. 
5. Non-stop collection calls from XXXX number start from XXXX including weekends 6. I answer *many* of them and ask EACH TIME : A ) please review notes and that you see my prior requests - and complaints filed - to have manager review case ( ie " business type '' that the bank no longer service AND information regarding who allegedly requested account to be closed ) B ) EACH time I told that yes the many requests can be seen in the system but that no further details can be provided as only a manager can do that.

C ) No Supervisor or Manager are EVER avaible D ) EACH time a promise is made to have manager call back WITH INFORMATION within 24-48 hrs. THIS NEVER HAPPENS 7. When it becomes clear that this account closure due to business type is a sham and clearly will not be reversed, I spend 2 1/2 days of otherwise billable time ( @ XXXX XXXX/hr ) setting up alternate banking and credit card accounts with different banks 8. After at least a dozen conversation with customer service - many of them documented and some even with case # 's assigned to them, the bank has the gall to send me a letter claiming that they " have not been able to reach you [ me ] by phone since your initial communication ''. 

Is this time of Covid - and other banks *helping* their customers - there is something ominous about this scripted and clearly planned Bank of America closing of GOOD STANDING small transaction accounts without cause or reasons. 

This should be investigated for BOTH orchestration, cover-up, and extent of doing. issue.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section XXXX ) that you, the Chex Systems , Inc XXXX block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX account number XXXX in the amount of {$1200.00}. 

This account has resulted in a fraudulent account appearing on my consumer report. I have listed this fraudulent account that is on the report that is being maintained by you. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer report that is being maintained by you was not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer account is the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/2022 I attempted to wire {$5000.00} from my U.S. checking account to my XXXX  checking account. I have residences in US and in XXXX. My U.S. residence address, email and phone, all registered with the XXXX bank, have not changed. The only thing that changed is my new XXXX residential address, which is required in order to have an XXXX bank account. I then received an email from the XXXX bank that my online access is terminated. No explanation, only option to call XXXX XXXX number which can not be called from outside US. I am in XXXX. They know that. This is my third complaint of this nature this year. The first two were eventually resolved after the bank responded to CFPB complaints, not without financial hardship to me. I will have to now somehow again find a way to contact this bank. The international number I found can not be called from a mobile phone or a pay phone therefore I will have to install a land line and pay very expensive long distance charges. The carrier charges even if the # is toll free. And then from experience I will be on hold for long times and probably meet with repeated dead ends. I rely on the social security funds that are deposited to my U.S. account to meet my daily living expenses. There is no excuse for this repeated abuse.
Product: Student loan

On XXXX I attempted to log on to my account to make my payment. I received a message that my account was being transferred to a new platform so I was unable to access any information or make a payment. On XXXX I received an email that my account is in forbearance to calculate new payment under the save program or something. However, I checked my bank account and a payment was taken from my account on XXXX even though I have never signed up for auto pay!!! Mohela took payment illegally without authorization!! Im not sure if I should contest this with my bank or what?! I have tried calling mohela repeatedly only to be on hold for more than an hour before I am disconnected and never receive a call back when I request it. I have also reached out to federal student aid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, this creditor has violated my rights. On the 15 USC 1681 sec 602 states that i have the right to privacy, 15 USC 1681 sec 604a sec 2 also says that a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation requirements E. these action have caused significant inconvenience and financial Loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate and misleading information on my credit report. XXXX XXXX XXXX has a collection reporting on my credit report As a open but they haven't Provided payment history. They also have listed the last payment date for last year but are currently reporting a late payment at XXXX days that makes no sense. This account is XXXX its a Volation of the fcra and the FDCPA. I have a strong case. I'll be more then happy to take this to court and sue this company for the maximum dollar amount the court will allow which is {$10000.00}