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

XX/XX/2023, I sent {$100.00} to a friend through world remit. Selected wrong currency by mistake. When I was able to, I cancelled the transaction same day. Since then, the cancellation request has been processed and just says pending. XX/XX/XXXX makes 10 days, since the cancellation request, and I still do not have my money refunded back to me.i have contacted world remit multiple times, if I am able to get through, all they can tell me is they dont know what it going on, & it is on the partner side in XXXX . They emailed the partner, no response back, & Im not getting emails pertaining to updates on the situation, like it states in the app they will do on any transaction or refund.
Product: Credit reporting or other personal consumer reports

So I sent a letter off on XX/XX/2023 to remover my personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party entity.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the bankruptcy court of XXXX, TN to see if they provided TransUnion with any information for the bankruptcy accounts XXXX and XXXX that are being reported on my reports. The clerk by the name of XXXX XXXX stated that they did not report any information and I have attached screenshots of the e-mail for proof. TransUnion is in violation of the FCRA pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). The courts did not report nor did I give TransUnion any written instructions to do so. The agency also failed to exercise their grave responsibility to respect my right to privacy pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). I also have attached cfpb response from debt collectors, XXXX and XXXX, stating that they are no longer pursuing collection of any of the alleged debts. They must be removed immediately. All inquiries must be removed for it is an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device which is a violation of the FCRA. I will be seeking remedy for all injury for willful and negligent noncompliance pursuant to the Act.
Product: Credit card

After the payment being 3 days late, they sent me a notice that they were jacking the rate up to 32 % which is unacceptable.
Product: Debt collection

The law offices of Jennifer MCCOy illegally went into a savings account of mine and fraudulently took out {$10000.00} for a debt that I do not owe.I am seeking immediate remedy.
Product: Debt collection

CREDIT COLLECTION SERVICES IS TRYING TO COLLECT AN AMOUNT OF {$150.00}. THIS ACCOUNT HAS NOT BEEN VALIDATED OR VERIFIED AND IS A VIOLATION OF THE FCRA AND FDCPA. CREDIT COLLECTION IS ATTEMPTING TO REPORT THIS ALLEGED DEBT TO MY CONSUMER REPORT. IF THIS DEBT REPORTS TO MY CONSUMER REPORT, I WILL IMEDIALTEY BE TAKING LEGAL ACTION AGAINST CREDIT COLLECTION SERVICES. THIS IS MY ONLY WARNING. {$1000.00} PER VIOLATION.
Product: Debt collection

Maury Cobb a ttorney at law calls the house multiple times a day. They leave automated messages. When you go to call them back they do n't have a representative or a voicemail available. They call and harass you all day and they call from a called ID as some law firm. They also leave the same annoying message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX XXXX on Equifax and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Lowe 's Credit Card through Synchrony Bank, XXXX XXXX XXXX, XXXX Fl XXXX on XX/XX/22. On XX/XX/22 I received an email from Synchrony with a reference number to review the details of my application. The code did not work ( attached ). I called Synchrony on XX/XX/22 and explained the code did not work and they stated they would send me a written explanation of my denied card application. When I asked why it was declined they stated they could not share that information. 
Several days later I received the attached letter which was not an explanation as to why my application was declined, but a letter regarding inaccurate reported information. I called them again on XX/XX/22 stating I still have not received the reason for my denied application and shared the letter I did receive. I was told that was sent in error and a request for the denied letter would be requested again. On XX/XX/22 I called back because at this point I requested my credit report from XXXX which is who Synchrony stated they used to make the decision and my credit report was perfect and had a credit score of 833, On the XX/XX/22 call I insisted on speaking to a Manager and someone by the name of XXXX came on the line and I explained what happen and asked why the application was denied. After going back and forth she finally shared the reason for the denial was based on risk factors in confirming my identity per the XXXX credit report. I asked for more details and she said there are none. I need to call XXXX to resolve. I said I already did that and they see nothing suspicious or inaccurate on my report. 
I again asked for the official denial letter and again I was promised another request would be entered to send me a copy. Today is XX/XX/22 and I have never received the denial letter.
Product: Checking or savings account

XX/XX/2022 Website sold information about my banking account pertaining to me being a XXXX XXXX XXXX XXXX, they refused to offer me handicap Accessible services and demanded they see me in person, this makes me feel worse about my XXXX from being a XXXX XXXX XXXX. The bank has continued to commit fraud and the Internal Revenue Services is Herby formally requested to audit their system for people committing hate crimes with the XXXX and XXXX community. Because of my religion I am being denied services ; ; XXXX XXXX FBI referral reference XXXX
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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: Debt collection

I NEVER RECIEVED THESE REQUESTED XXXX. ONLY THING I WAS SENT WAS A threatening LETTER ABOUT SUING ME. AFTER THAT LETTER I HAVE NOT HEARD BACK FROM THEM
Product: Checking or savings account

I opened a checking account with Capital One bank near my home in XXXX XXXX NY. A few years ago, they closed all their branches here. 

My Social Security and US XXXX pension are Direct Deposited to this account. 

I've no checks, no Debit card for this account, I can not access my funds. The bank has a phone number on file for me that has been out of service for close to 10 years. 

I have no Cell phone, and no Internet access. 

I am XXXX years old and do not have a Driver 's license or transportation. 

We ( I called, and also had my son call them ) contacted them by phone earlier this year, in XXXX and again in XXXX. 

Due to their security concerns ( which we understand ), the situation remains the same : I have no way to access my funds locally. 

I am requesting a book of checks and a Debit card for my account to be mailed to me at my address of record.
Product: Debt collection

Company is trying to get money for an account that I paid in full 2 years ago. Money was collected through XXXX XXXX company.
Product: Prepaid card

I informed BofA about fraud and they declined my case. Upon made decision I requested all records used to make decision and reconsider my claim again declined with no records of investigation provided to me.
Product: Student loan

My loan was sold to Nelnet from Great Lakes. Apparently Great Lakes reports the loans as one large loan and Nelnet, while they claim there will be no changes, splits it into separate accounts per disbursement. I now have 13 open accounts and 15 remarks of my balance increasing when NOTHING HAS CHANGED. I am on an income driven repayment plan and all this has caused my credit score to go down XXXX points!!! And I haven't yet been able to actually reach someone. Their website says they are open until XXXX ET, but at XXXX ET their phone system says they are closed and to try later. I was previously on hold for over and hour and half and never got to speak to someone before getting disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.
Product: Money transfer, virtual currency, or money service

ON XX/XX/2020 I ordered a bike from XXXX XXXX XXXX through PayPal. After I ordered it I saw online that this company was a scam. I contacted PayPal to cancel the order and stop the payment. They denied my claim because they received what was a bogus tracking number. I told them this and that the phone number on the invoice was also bogus but so far they will not refund my money. XXXX  XXXX XXXX said they couldn't help because it went through my checking account directly. This is the info the company provided. 

XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this Barclays credit card, used it and paid it in full with a XXXX balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete Barclay 's erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information listed on my credit report.
Product: Credit card or prepaid card

On the morning of XX/XX/2021, I was at XXXX in XXXX with my mother. We purchased a chair and during the process of putting it in the car, I lost my Chase Sapphire credit card. My mother and I share this account and we are the only authorized users. I only noticed when we were at the next store, XXXX, trying to make a purchase that my card was missing. We searched the car and didn't find it. We went back to XXXX and asked anyone if they had turned in the card and no one had. I checked the Chase app and noticed three unauthorized charges on the account : one in the amount of {$100.00} from a XXXX transaction at XXXX, {$16.00} at XXXX XXXX and {$650.00} at XXXX XXXX XXXX XXXX XXXX all in XXXX XXXX At this time, my mother and I were together in XXXX and could not have made these purchases in XXXX. I notified Chase that my card was lost/stolen and they immediately canceled it and assured me that we would not be responsible for the unauthorized charges. 

On XX/XX/2021, I received a letter from Chase stating that they found there was no fraud committed for the XXXX and XXXXXXXX XXXX XXXX XXXX XXXX transactions and that I would be financially responsible. I immediately called them to appeal their decision. They told me that since both transactions were in-person and not on the internet, they automatically determined that it was an authorized charge. They reopened the case and sent me another letter on XX/XX/2021 stating that their decision hadn't changed. 

After searching forums to seek advice and what we can do at this point, I filed a police report with XXXX on XX/XX/2021 and the case number is XXXX with Officer XXXX who advised to file a police report with XXXX XXXX Police Department XXXX We couldn't figure out what XXXX XXXX XXXX XXXX was and all our XXXX searches led us to XXXX & XXXX XXXX at XXXX XXXX. He contacted them and XXXX XXXX XXXX XXXX stated it wasn't them. From previous experience, I knew that " XXXX* '' meant that the transactions was a XXXX point of sale. XXXX sent me to a receipt lookup ( hXXXX XXXX XXXX ). I still had the credit card info from the canceled card and I entered in the required details into the web form and it found the transaction which I've also attached. The transaction occurred at XXXX XXXX XXXX XXXX, which is a county address. XXXX XXXX XXXX XXXX is listed as an artwork category according to the receipt.
Product: Credit card or prepaid card

I have a credit card through Wells Fargo. On XX/XX/XXXX, I received a text alert for suspicious activity. The activity being {$14.00} for XXXX XXXX, which thankfully was denied. I have not had XXXX XXXX in years, my credit card has never been attached to my XXXX, and physically I still had my card. I immediately reported my card as stolen. Got a new one. 

Then, on XX/XX/XXXX, under my brand new card that I had not activated, I received another alert for suspicious activity, again for {$14.00} XXXX XXXX, again declined. I called my bank this time. The lady over the phone said that my account was " digitally transferred '' to the new card, so any merchants who had my old card were automatically updated with my new information. She did a hard transfer and issued me another new card. 

XX/XX/XXXX, I yet again, under the card that I had not received in the mail got another text alert for suspicious activity. Same XXXX XXXX and this time the charge was successful. I call my bank again and the guy tells me " I don't know how this keeps happening. All we can do is continue issuing new cards. '' I contacted XXXX and they told me the transaction was for XXXX XXXX under the account of XXXX XXXX XXXX I do not know anyone by this name or close to this name, but XXXX refuses to remove my card from her account, flag her account, or anything. They just kept telling me to contact my bank. Which, as I have explained here, has gotten me no where. So my usable credit card remains on this strangers account and no one will do anything about it.
Product: Money transfer, virtual currency, or money service

I have Cash App and somehow my account was hacked and funds were withdrawn fraudulently. I would chat with online support and they asked me to do strange things like downloading things to take screenshots. And my app was strange. I still XXXX  actually contact support. The way the app is set up now will not allow members
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX  XXXX XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX  XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Equifax Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX  Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some Fraudulent accounts and inquiries on my credit reports.
Product: Debt collection

Fair Collections and Out placed an account on my credit profile that belongs to a relative. After several failed attempts to have this remove, they continuously report inaccurate information.
Product: Credit reporting, credit repair services, 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., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

I am writing regarding a concern about an action taken by WSFS on all of their customers, including myself. On XX/XX/2023 at the end of the day, just before a holiday weekend, WSFS blocked all of their customers from access to their personal online banking. The only way to access one 's account was to read, analyze, and agree to 14 pages of legal documents ( small print ). As a successful businessman I can tell you that it was more than I could even understand in a short time. 

Further, when I contacted the regional manager for WSFS, he lied to me, telling me that I was merely acknowledging the receipt of the terms, not necessarily accepting them. This is not true. 

I contacted 5 members of the executive team and wrote a certified letter to the legal team asking for the terms to be explained to me, but they have not responded. 

I don't understand the rules of banking, but I feel that holding people 's money hostage like this could, or should, be illegal.
Product: Credit reporting

One Main Financial is reporting with XXXX that I was 30 days past due. The same month they reported to XXXX that I was paying as agreed. I was not paying this account and did not pay this account late in the month that they said. I have statements showing that there was no past due amount. Also, they kept saying that I had other fees that never showed up on my statement. I keep paying on the account but did not know what I was paying for. They finally waived the NSF fees that stated that I owed, but at the same time, they reported that I was 30 days past due. This is wrong and a violation of the Fair Credit Reporting Act.
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 thoroughly. I was informed that recovering lost funds was impossible and that tracking these transactions couldn't happen. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to take advantage the system, leaving users vulnerable to scams. The lack of accountability and Transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a complaint against Experian due to CFPB suing them for their investigation, XXXX. Why does it show that this account has not been resolved, and it's been over XXXX days. My Experian credit report has not been cleared, nor has anything been corrected since my previous filing. Again, it's now XX/XX/year>, I'm requesting that my whole Experian credit report is cleared due to not completing my previous complaint within the timeframe.