23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Please refer to my prior complaint filed in XXXX 2015 to CFPB. Discover falsely and unjustly dropped my ID protection coverage on the pretense that it had XXXX failures at Address Verifications to my home address. This has been disproven by an investigation by the USPS, XXXX XXXX ( XXXX Manager ) XXXX XXXX XXXX XXXX, XXXX XXXX. I have the letter and would like to attach as it has been scanned. But the CFPB should know based on my last complaint that I had been receiving regular hard copy billings for ID Theft protection and paid them on time prior to registering the CFPB complaint.. UPDATE : Today the United States Office XXXX XXXX XXXX XXXX XXXX informed me that my ID and other confidential information were breached XX/XX/XXXX 2015 ( while, incidentally I was still under Discover coverage ) and that it would offer me and others so breached, three years of FREE US Government monitoring for which I registered today.. The point is that though I received an email from a Discover principle that my ID coverage would be reinstated based on the CFPB probe, that Discover NEVER reinstated it, so I am herewith registering my decline of any future ID theft coverage by Discover as the US Government is taking over.
Product: Checking or savings account

I need my money I deposit from citi bank my mistake was to upload my check via phone and know my account is freeze with the money I have there am not working and I got XXXX girls to take care off I need my money because is mine and am struggling just because the department so this is not my fault and I dont want a check for a close account I want my money know am tired of all banks do what they want to do thats not okay
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX 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 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
Product: Payday loan, title loan, personal loan, or advance loan

We had a salesman come to our home to discuss installing a new shower to replace our bathtub. The price was agreed upon and this concluded in XXXX XXXX. We thought we would be paying XXXX directly and was never discuss where the funds were going to go. The salesman never once commented it would go to someone other than XXXX. If we had known we would have used our own bank that we had for over 25 years at the time. 
Payments were set up automatically and it was at that time we saw it didn't go to XXXX  ; instead it went to XXXX whom we had no idea who they were. Payments started in XX/XX/2018 and in XX/XX/2018 someone from XXXX took {$5700.00} from my bank. I called XXXX and told them and they sent the money back. The following month our {$6500.00} shower was now over {$11000.00} so I called and asked what was going on. I was told the money they took was done as the money they sent me back was done and they didn't get any money back. So they added that amount to the loan. I have been fighting them on this since 2018. And they have not only charged me finance charges on the original loan but started charging me interest on the second amount they added. I was paying {$100.00} a month instead of the {$79.00} and the finance charges are almost {$90.00} so the loan was never going to be paid off. We still owe over {$11000.00}. I have called more times than I can remember trying to get this fixed and they will do nothing. We have paid according to them {$5900.00} in interest and actual payments of {$1300.00}. They are calculating this on the original loan amount of {$6300.00}. They have charged us more than they should have and refused to acknowledge it. I know they have a class action suit against them and I would like to be a part of that. Trying to having anything change is as I believe at an end. We need help. I feel they owe us back the {$5700.00} and or close our account. I have stated this to them several times and getting no where.
Product: Checking or savings account

My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXXXXXX XXXX, a small business in Florida that has had a productive and successful partnership with TD Bank for over XXXX years. I am writing this complaint to bring to your attention an issue that has significantly impacted my business and livelihood. 

Around XX/XX/XXXX, I visited the TD Bank branch in XXXX XXXX, Florida, to report an ACH fraud incident that I did not initiate. The bank staff informed me that they would need to wait until the matter was resolved before taking any action. Subsequently, the ACH transaction was confirmed as fraudulent over the following XXXX days, and the bank advised me to open a new account, with the assurance that the XXXX department would return the amount. I acted promptly and, around XX/XX/XXXX, I opened a new account and the bank transferred the amount, believing that the issue had been resolved to my satisfaction. 

To my dismay, in XX/XX/XXXX, I received a collection letter demanding the exact amount that was supposed to have been returned by the fraud department. Distressed by this turn of events, I promptly visited the branch again, presented the collection letter, and sought assistance. The bank representative promised to investigate the matter and took my contact information. 

However, it wasn't until the middle of XX/XX/XXXX that I received a call from the bank representative who, to my shock, informed me that there was nothing the bank could do, and I would be required to pay the full amount. I was deeply perplexed by this sudden reversal, as I had received no communication, neither via email, mail, nor phone calls, explaining the reasons for this decision. To make matters worse, on XX/XX/XXXX, the bank deducted the disputed amount from my account without any prior notice or explanation. 

This situation has caused a significant financial burden on my business, and I have already had to let go of two employees due to the loss incurred. 

I kindly request that you review the details of this case and for the bank to reverse the unjust deduction from my account and provide a clear and transparent explanation for the course of events. My intention is not to challenge the bank but to seek an equitable and fair resolution that can help me recover from the financial distress this issue has caused my business.
Product: Money transfer, virtual currency, or money service

I Have banked with Paypal for seven years recently suffered some financial situations Where I lost my wallet and phone and unauthorized charges were made which overdrew my PayPal account and placed limitations Despite having nothing to do with these payments I paid PayPal through the debt collection XXXX to lift the limitations on my account they received said payments and said that they lifted my limitations and that I could continue using PayPal how I always have on top I provided identification and have all necessary Accounts and credentials to verify identity recently received my pandemic unemployment assistance direct deposit to my PayPal they approved said deposit and gave me a balance of XXXX Which Is under my name and further proves authenticity and verifies its self I paid all my dues prove my identity and they said there are no security issues hindering my account but they wont let me buy send or transfer nor withdraw my money saying it is a security issue They have no call centers open due to COVID-19 very Unhelpful and unprofessional customer service and can not give me a specific reason as to why I can not take out my money. They insist on putting holds on any transaction To be sure that there is enough balance to cover knowing well that there is because they are the ones who accepted the direct deposit in the first place I cant pay my bills they do not want to override holds knowing that funds are present and insist on treating me as if I were a criminal Putting limitations where there should be none as I stated I verified identity and paid my dues yet I can not access my account features nor withdraw my money
Product: Credit card or prepaid card

I received a notice on XX/XX/2020 that my credit limit was being decreased from {$2000.00} to {$650.00} because my credit score with XXXX was reported as XXXX. That information is entirely incorrect, my score has never ever been that low. They also stated this may be due to my account with best buy but the account has been below 30 %. I was not given a 45 day notice, the limit was decreased on that day which caused me to lose 21 points from my credit score because my proportion of loan balances to credit was now reduced by {$1300.00}. I attempted to reach out to best buy because the issue is on their side and I received no help and was told to reach out to XXXX  for a dispute. However, on XXXX  's website all of my information is correct so there is nothing to dispute.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute or Inaccurate Information on My Credit Report Dear Credit Reporting Agency ( s ) : I am writing to formally dispute inaccurate information on my credit report that I believe harms my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as federal law requires. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against the credit reporting agencies for its failure to properly investigate consumer disputes, citing sham investigations and/or other unlawful practices. These practices, as outlined by the CFPD, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit repairs. I am deeply concerned that my dispute may be mishandled similarly.
Product: Checking or savings account

Dear Wells Fargo, I am writing to formally complain about the incorrect categorization of my claim # XXXX. The claim should be filed under credit not received/item not received, and I respectfully request that you rectify this error. 
Regarding the transaction in question, it was canceled, and the merchant agreed to process a refund. However, I have not received the refund credit to date. The merchant is no longer cooperating, which is the reason for my dispute. 
I kindly ask that you review and correct the claim category to accurately reflect the nature of my dispute. This adjustment is crucial for the proper handling and resolution of my case. 
For your reference, my account details are as follows : Account Number : XXXX Email Address : XXXX I appreciate your prompt attention to this matter and look forward to a swift resolution. Please update me on any progress made regarding the correction of my claim category. 
Thank you for your time and assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This creditor EXETER FIN has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account ever since I seen it on my credit report.I asked for my report from creditor be sent to me.I have no knowledge of this account and It clearly states on 1 of the letters sent to me there is an error in the address. I have sent the proof several times to the 3 credit Bureau 's only to find this account still being placed on myself.I have been working so hard to repair and clear up my credit so I can try to buy a home for myself and my kids.This lingering account which has incorrect information is not mine.I dont know what else I have to do to fight this proof was sent to 3 credit Bureau and they look over the proof sent.
Product: Student loan

The XXXX XXXX XXXX, which put into law the suspension on federal studen loan payments and interest, was enacted in XX/XX/XXXX, and is still in effect. According to federal law, during the payment suspension period, the Department of Education and its loan servicers were required to report each month of suspended payments to credit bureaus as if it were a regularly scheduled payment made by a borrower. This suspension should have not have resulted in the negative impact on student borrowers ' credit scores. And yet I have evidence that AES/PHEAA has in fact reported my missing payments since XX/XX/XXXX as " past due '' to the credit bureaus, thus misreporting my student loan payment status, and tanked my credit score. I paid my student loans on an income-sensitive repayment plan, in full, on time, since the pandemic started but needed some financial relief beginning in XX/XX/XXXX when I lost a significant amount of unemployment relief. AES/PHEAA was aware of this, when I reapplied for an income-sensitive repayment, and raised my payment amount. I was unable to make those payments. I have recently been able to pay them some money towards my " outstanding balance, '' in an effort to raise my credit score back to where it belongs and where it should have been if AES/PHEAA had not, either mistakenly or deliberately, misreported my student loan payment status to the credit bureau. It is heinous that keeps happening to student borrowers, but especially during a pandemic and financial crisis where people are still suffering significantly from a year of reduced income, unemployment, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been defrauded across all of my accounts and credit reporting bureaus. They have improperly used my SSN/identity for their own gain. I have frozen or opted out across the following reporting agencies ; XXXX - Frozen Experian - Frozen XXXX - Frozen XXXX - Opted Out XXXX - Opted Out XXXX - Opted Out PACER - Sent email to opt out
Product: Checking or savings account

This is now the 3rd time I have contacted the Consumer Financial Protective Bureau regarding this. Are you guys even going to address the fact that wells Fargo is holding my funds and will not let me access my account? I should n't have to go into a branch to access an account that I opened online. I would have preferred to keep the account open, but it has now been 3 months and i have n't been able to access my account. This is completely unacceptable and i ca n't believe the Consumer Financial Protection Bureau allows this.
Product: Debt collection

Real Estate Broker pulled my credit and it shows that I had and account opened on XX/XX/XXXX and they reported to my credit on XX/XX/XXXX for {$530.00}. I have not opened an account with XXXX in my name or given the consent to anyone else to open an account in my name.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX Account Number:XXXXXXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Debt collection

Keep calling about a debt they bought from the original creditor. I have no legal obligation to pay them. No contract is validated between myself and Diversified Consultant.
Product: Credit reporting, credit repair services, or other personal consumer reports

AVANTCREDIT SOLD THIS DEBT XXXX XXXX   AND ONCE AGAIN REAPPEARS ON MY CREDIT REPORTS. ESPECIALLY, XXXX AND XXXX. SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 accounts with Experian on XX/XX/2018. I paid XXXX XXXX past due bal and they failed to report account from derogatory to current and actively still paying on the acct. XXXX XXXX never provided a statement showing where I owe the charge off. Acct says paid in full / {$190.00} written off Ive made payments on the account. I need a statement. These items with affect my report for 7 years. At least update the information. Please report last payment.
Product: Credit reporting or other personal consumer reports

I reviewed my report again, and noticed the errors to remove these inquiries were not corrected.
Product: Money transfer, virtual currency, or money service

Ive been scammed due to XXXX payments and my bank never helped me to get my money back
Product: Credit reporting or other personal consumer reports

I for years have had a XXXX  charge off tied to my credit which has negatively impacted my credit and ability to get loans. The charge off has an address of XXXX MA in which I never lived or received notice of this due to it being in XXXX and I live in XXXX. I am requesting this charge off which I have tried to get removed on multiple occasions and they just say its verified and the XXXX XXXX XXXX in Massachusetts removed as well. This is in direct violation of my consumer rights and will seek legal action if not removed
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of 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 infeasible. The CFPBs 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, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT XXXX', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX  ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE
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. 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: Vehicle loan or lease

I have an auto loan with BofA that I refinanced in XX/XX/2022. 
The check was sent to BofA from XXXX XXXX and was supposedly cashed by BofA on XXXX. The funds were never applied to my outstanding auto loan. 
I have been going back and forth with both companies spending countless hours and time trying to resolve this and have had XXXX luck. Im now being harassed by BofA to make payments on my loan with them even though Ive been making payments to XXXX on my new auto loan. So now Im carrying two auto loan balances and two auto loan payments for my one vehicle. 
Ive asked for research into this matter and have not received any follow up with a resolution to this matter. Ive also filed a CFPB complaint on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved as soon as possible.