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

I am writing a complaint to express my concerns regarding the way Zelle is handling disputes. In light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. This allows Zelles repeated offenders to continue their malicious intent, leaving users vulnerable to scams. These scams and fraudulent accounts are far too easy for offenders to make accounts and target Zelle users. With the lack of investigation from both Zelle and financial institutions, it has become difficult to trust these companies with life funds.
Product: Credit card

XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Capital One Regarding Disputed Charges and Improper Account Handling Dear CFPB Team, I am writing to formally complain to Capital One regarding the mishandling of disputes on my XXXX  account XXXX ending in # XXXX ) and its subsequent negative impact on my credit report. Below, I outline the details of my grievance for your review and assistance : XXXX. Account Closure and Disputed Charges On XX/XX/XXXX, I closed my Capital One XXXX account ( see the attached ). At the time, there were two disputed charges with the merchant XXXX : XX/XX/XXXX : {$110.00} ( Capital One case # XXXX cleared ) XX/XX/XXXX : {$110.00} ( Capital One case # XXXX remains unresolved ). 
XXXX. Merchant Credits Issued ( see the attached ) On XX/XX/XXXX, the merchant provided documentation confirming a {$110.00} credit issued to Capital One. 
On XX/XX/XXXX, the merchant issued another {$110.00} credit, ensuring the disputes were resolved and my account should have reflected a {$0.00} balance. 
XXXX. Capital One Errors and Charges Despite the credits, I received a letter dated XX/XX/XXXX, stating Capital One had charged my account {$110.00} ( see the attached ) in addition to the same charge made on XX/XX/XXXX for the same case # XXXX ( see the attached ), along with a {$40.00} late fee and interest ( see the attached ). This has negatively affected my credit report. 
On XX/XX/XXXX, I was informed by a Capital One representative that my account had been credited and would show a {$0.00} balance. 
However, during a follow-up call on XX/XX/XXXX, I was informed that the {$110.00} charge had been reapplied due to an internal error. 
XXXX. Attempts to Resolve the Issue I have made multiple attempts to resolve this issue with Capital One through phone calls on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX. 
Despite these efforts, Capital One has failed to resolve the dispute and correct their errors. I have protested the additional charges and late fees, as I should not be held responsible for mistakes on their end. 
XXXX. Request for Assistance I respectfully request the CFPBs intervention to ensure Capital One : Corrects my account to reflect a {$0.00} balance. 
Removes the {$110.00} duplicated charge, late fees, and any associated interest. 
Rectifies any negative impact on my credit report resulting from their errors. 
Enclosed, I have provided documentation supporting my claims, including correspondence with Capital One, proof of credits issued by the merchant, and the letter from Capital One dated XX/XX/XXXX. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. Please feel free to contact me if further information or documentation is needed. 
Sincerely, XXXX XXXX XXXX [ Attachment : Supporting Documents ]
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX store guard is playing games with my credit report they issued a credit card in my name put it on my credit report which was never open my me what I do not have any knowledge of I contacted XXXX XXXX this send me a letter saying that they don't know what number is the crate guard and if I can help them write the credit card number so they that they can re investigated yes you're hearing it right the bank that issued the XXXX XXXX doesn't even know the number hes asking the consumer to send his credit report or the credit card number so that they can investigate I personally think this listing should be immediately removed and XXXX XXXX should be been allies to for putting a fake account number on my
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW INFORMATION, Experian took more than 30 days to investigate this notice and over 3 attempts. They BROKE THE LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts I found on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX  Balance {$16000.00} XXXX XXXX XXXX  Balance {$10000.00} XXXX XXXX Balance {$4000.00} XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX  Balance {$1000.00XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance {$4900.00XXXX XXXX XXXX XXXX XXXX Balance  {$2400.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  Balance {$1900.00} NOT REPORTED XXXX Balance {$1700.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I have purchase an item online paying with Direct Deposit from my bank ( XXXX ) to a Citibank branch in XXXX XXXX, TX. 
I never received the item and contacted police and it was concluded that was a scam. 
My bank XXXX XXXX contacted Citibank to stop the transaction. I had provided the police report, account and routing number, name, etc of the scammer. Citibank notified XXXX that the claim was close and they were not going to stop the money going into the account I sent it to. 
XXXX XXXX claim : XXXX / XXXX XXXX TX police report : XXXX
Product: Credit reporting or other personal consumer reports

I just reviewed my Equifax and XXXX credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Product: Credit card or prepaid card

Ok so i work for an XXXX XXXX and had the option to get my paycheck on a payroll card known as XXXX, and about a couple weeks ago i lost my wallet.. I informed XXXX immediately and they put a stop to my card.. They then told me they would issue me a new card but it was going to take 7-10 business days to receive or i could spend {$35.00} to get a new card expressed shipped so i agreed to pay the {$35.00} and not less then a week of having the NEW card, I had someone fraudulently withdraw {$180.00} from my account at a XXXX XXXX  XXXX ATM.. I instantly called them and then they said they would put a stop on this card now but i would have to pay another {$35.00} to get another new card.. well 2 days past and i have gotten no card or anything.. so i called again because now it is the XXXX and i have rent to pay and they told me that my card was never sent out so they had to issue me a refund. Never got a refund but was told to call back in 2 business days to talk with someone in disputes. I have now been served with a 30 day notice because i cant access my funds to pay my rent. And they arent even trying to help me.. i dont know what im going to do.. Id never thought id be XXXX.. i even asked if they could send my money that i work hard for to another debit card i have and they said NO.. please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Once AGAIN my report is indicating I have multiple student loans negatively effecting my credit report and score. They are still reporting payment history that was mandated be removed from my date of bankruptcy to prior to and has n't been done and its been almo st 2 yrs. Their loans are past the federal guidelines of 7-10 yrs A LSO effecting my credit negatively.  XXXX  doesnt exist any longer. And I have  XXXX  consolidated loan. There are no multiple student loans. I 'm tired of submitting investigations this is going on 2 years
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the necessary proof of investigation.
Product: Checking or savings account

I recently opened a Citibank account and transferred {$5500.00} into it. On XX/XX/XXXX, I attempted to transfer {$500.00} to my brother, but my account was immediately locked, and I was forcibly logged out. Citibank required me to call customer service to regain access, which took over an hour. 
The next day, on XX/XX/XXXX, when I tried logging in again, I was asked to enter my Social Security Number, which I assumed was for account verification. However, I later realized it was actually for signing up for a credit card, which I never consented to. Within minutes, I received an email stating that my application had been approvedfor a card I never wanted. When I called customer service to cancel it, they told me to call a different number. That number had no live representative, only an automated system repeating : " You have been approved. '' After finally logging into my account, I attempted to transfer {$1.00} to my own checking account ( IN MY OWN NAME ) at XXXX  XXXX, and once again, Citibank locked me out and forced me to call customer service. This is unacceptable. I dont care if they claim its for " fraud detection '' that is not the customers responsibility. They are withholding my funds, and their process is completely unreasonable. 
When I finally reached a customer support representative, they told me I needed to activate my debit card before I could transfer money from my checking account. I then went to their website ( https : //online.citi.com/US/ag/activate/index ) to do this, but after entering all of my correct information, I was once again told I needed to call customer service. 
At this point, I have now called Citibank XXXX times, wasting over XXXX hours, and the issue is still unresolved. Each time, customer service has been unhelpful, dismissive, and unable to provide a clear reason why my own money is being held XXXX. 
My time is valuable, and I am not going to continue calling Citibank just to be sent in circles. 
Citibanks actions are preventing me from accessing and transferring my own funds, effectively restricting my legal right to use my money. This is completely unacceptable and feels like an unlawful account restriction. I need immediate resolution and full access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXalance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX/ XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX 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 XX/XX/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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have asked the current banking institution ( Bank of America ) to remove negative reports from the XXXX  database. 

For the past two years I have been denied opening a checking account at any financial institution. It is detrimental for me and my family. I can not pay bills on time or make purchases because I have no bank account. I want XXXX to remove this negative report. As an American I have the right to have a bank account.
Product: Credit reporting or other personal consumer reports

I can not access my transunion account online they are not sending me the verification email to get into my account and they don't have the correct phone number to text me the verification code. 

I also can not access my experian account online as i keep getting an internal error message.
Product: Vehicle loan or lease

I have an auto loan with CarMax Auto Finance. 

I am purposely overpaying my loan amount and want the extra amount applied to my principal. On XX/XX/XXXX I called CarMax Auto Finance to tell them to start applying any overpayment to my principal and not to the next payment ( which is the default option ). 

The person on the phone call said I would have to call every single month to ask for my payment to be applied to the principal. I asked if I could mail a check instead with clear instructions to apply the overpayment to the principal and the employee said I would still have to call every month. This phone call took nearly 15 minutes.
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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: Vehicle loan or lease

Hi. My name is XXXX XXXX. 
Jpmcb Auto claims that I owe them a loan on a closed account. I asked with certified mail proof of the original documents and signatures to verify my debt or to remove it. I have seen no action or received any response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I sent out a dispute through XXXX XXXX & I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : ATLANTIC CAPBKXXXX ( Twice ) & XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed I was receiving numerous unauthorized inquiries from XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX on my credit report, I have never given these companies authorization to run my credit, and they have been doing it almost monthly since XXXX of 2022, I have reached out to the companies and the credit bureaus about this and have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
XX/XX/XXXX# XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00} XX/XX/XXXX # XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the unresolved fraudulent items on my account. Despite numerous attempts to rectify this issue, the fraudulent charges remain, causing ongoing distress and financial inconvenience. Since I have followed all required procedures, providing detailed documentation to support my claims of fraud. However, despite these efforts and multiple follow-up communications, the fraudulent items have not been removed from my account. This lack of resolution is unacceptable and has severely impacted my financial stability. The persistent presence of fraudulent transactions on my account is not only a misrepresentation of my financial history but also a potential security risk. I demand for your immediate help and decisive action to resolve this matter. With this, I am asking for your assistance to remove the fraudulent items : 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: Debt collection

I received a letter dated XX/XX/2019 from XXXX XXXX , XXXX. trying to collect {$26000.00}. I am not responsible for this debt and am filing a complaint today ( XX/XX/2019 ) through CFPB to notify the company of my dispute.
Product: Mortgage

In or about XX/XX/XXXX, said individuals mortgage my home, XXXX XXXX XXXX XXXX, XXXX. My mortgage payments were paid by XXXX XXXX/XXXX XXXX XXXX XXXX. 

Nevertheless, I was notified by Wells Fargo in XX/XX/XXXX/XX/XX/2016, that an impersonator signed refinancing documents. Thus, I contacted Wells Fargo in XX/XX/2018 after learning about my accounts. Representatives exclaimed I didnt owe anything and my accounts were satisfied.

Thereafter, I received an email that my account had been locked, due to several attempts to log-in.
Product: Debt collection

I have not received any type of notice or communication from this debt collector in order to vaildate this debt that I supposedly have
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX CO XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX bankruptcy in XX/XX/2011. When I filed XXXX XXXX was the loan servicer/administrator. Equifax and XXXX  credit bureaus are still reporting those accts, 13 years later, as CLOSED with XXXX, instead of XXXX XXXX, as the servicer. Moreover, both are also reporting the SAME 4 accts as OPEN accounts. I did some research to try and find out how long can bankruptcies remain on your credit report ; everything I found stated Chapter XXXX bankruptcy remains on your credit report for 7 years. Both bureaus have the same information listed on their websites, and it is also listed on FICO.com. However, neither has removed the accounts. This seems to be double reporting to me, reporting the same account opened and closed. I have had financial management issues in the past that I am not proud of, but I am trying to re-establish my credit. The time-barred regulation seems to apply to this situation, but I do not know if it applies to Federal Student Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 PayPal Credit made an unauthorized, fraudulent hard inquiry to my XXXX  report. Attaching police report for related identity theft. XXXX  instructed me to contact each of the companies making fraudulent inquiry individually.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan with XXXX was take out fraudulently in my name for {$4000.00} on XX/XX/2022. I immediately reported this to XXXX. It was told they would freeze my account. Was also told that I needed to submit an Affidavit for Fraud and a police report to them so that they could open up an investigation into the matter. I completed and submitted the reinsured documentation in addition to an FTC Identity Theft Report to XXXX 3 times. They have emailed me back 5 times over the past week stating that I am responsible for the loan. I don't want this to wreck my credit. I've need additional support trying to get this issue remedied. Please look at the XXXX  complaints for this company. I am not the only consumer this is happening to.