23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My ex spouse set up an account with Wachovia in XXXX ( I believe, it may be another year ) ; for child support to go into. It was a custodial account with our minor children listed as recipients. Wells Fargo bought out Wachovia & the account never seemed to read the proper balance so I was continuously being charged fees and they would take up all of the child support payments for my kids. 

His current wife & him decided to use the statements from the account he set up for the kids to answer credit mailings sent to their residences in multiple states ( they were XXXX XXXX, I am a medically XXXX veteran ) and created many false credit lines. 

It caused repeated financial strain, homelessness, & food bank lines were a way of life for us due to all the erroneous fees charged on this account. I believe I finally got fed up with them in XXXX and the account closed out organically as I went to the child support office and had the payments sent to my XXXX account. The damage was already done, my credit was ruined. I couldnt find a rental as a XXXX veteran with XXXX young kids. 

I believe there was a credit card at one point before my XXXX bankruptcy as well. 

I currently hold a XXXX card with the company as I did not realize the affiliation with Wells Fargo until I received a statement & didn't want to have to do another credit pull as I had just purchased a home at the time I signed up for the credit card.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelle 's approach to dispute resolution, especially in light of the recent CFPB lawsuit, which underscores serious shortcomings with the platform. As a regular Zelle user, I have reported discrepancies, yet both Zelle and my financial institution failed to conduct a thorough investigation into my claims. I was told that recovering lost funds was not possible and that tracking these transactions was impractical. The CFPB 's findings reveal that Zelle has not only failed to safeguard consumers but has also enabled repeat offenders to exploit the system, leaving users exposed to scams.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the following account ( s ) on my credit report. By the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 1681i ( 5 ), it has come to my attention that the account ( s ) listed below have violated my federally protected consumer rights regarding privacy and confidentiality. 

Disputed Account Information : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX Under 15 U.S.C. 1681, it is my right to have my consumer credit report maintained with the utmost confidentiality and accuracy. The inclusion of the above account ( s ) violates this right, and the reporting of this information constitutes a breach of my privacy. Furthermore, I believe these items are inaccurately reported and are being maintained in my file without the proper verification or validation of the legitimacy of the account ( s ), as required under the law.

Per 15 U.S.C. 1681i ( 5 ), I demand that
you conduct an immediate investigation of these account ( s ), and if found inaccurate, unverifiable, or incomplete, promptly delete the account ( s ) in question from my credit file.

Please provide me with : Written confirmation of the results of your investigation.

A statement detailing whether any items were deleted, corrected, or verified.

If the account ( s ) is verified, full documentation proving the validity of the account ( s ) and the process you followed to reach this conclusion.

Failure to comply with my request within the legally required timeframe will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal recourse. 

Thank you for your immediate attention to this matter. I expect a prompt resolution of my rights under the Fair Credit Reporting Act.
Product: Debt collection

There was a fraudulent account opened in my name for an account I've never had or applied for! I noticed a decrease in score and contacted the agency and they gave 0 understanding of the account! I'd like this account removed immediately from all 3 credit bureaus!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate account on my credit report. Account number XXXX is being reported as open, despite being closed. Additionally, the date last active is incorrect. This misinformation is in violation of the Fair Credit Reporting Act ( FCRA ). 

Please note that XXXX has already removed this account due to similar FCRA violations. I request that you immediately remove this account from my credit report. Attached is a copy of the True bill, and I expect prompt resolution and payment for the damages caused by your negligence.
Product: Checking or savings account

I was a XXXX  independent consultant who purchased jewelry and accessories from XXXX  XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. This company advertised the jewelry as lead and nickel free. I have asked them to provide me with their test results proving that the jewelry is lead and nickel free and they have refused. I asked them to refund my money and they have refused. The jewelry has since been tested by a 3rd party accredited lab and it shows very high levels of lead and nickel which is not compliant with California Prop 65 guidelines.
Product: Credit card or prepaid card

I have XXXX retail cards through Comenity bank, XXXX for XXXX and XXXX for XXXX XXXX XXXX. 

I normally pay the balance of these cards in full monthly when I receive a statement or notice payment is due. On both of these accounts, I had not received a statement or notification of payment due or even payment is late notice in over 4 months. I am enrolled in paperless statement so I should have received it via XXXX mail. 
XXXX weeks ago, I finally got a message saying 'we need to talk '' and when I called, I was told my accounts were both past due and excessive late fees had accrued, both commenity pay, now it is on my credit report, I have excellent credit and now these XXXX cards have damaged me. I paid both off because I got nowhere with customer service, especially the XXXX 's secret.card. I would like the late fees on XXXX XXXX XXXX XXXX account refunded to me and I want both XXXX pay derogatory reporting removed from my credit. I have worked too hard to keep my credit strong and this is unacceptable.
Product: Checking or savings account

I want to make the public aware, US Bank is getting trained from XXXX and is going XXXX XXXX, It is scamming its customers and is not honoring what is advertises and the flyers sends in the mail. I received a flyer in the mail that if I open and deposit {$3000.00} in the US Bank account, I will Get {$500.00} as a bonus if I keep the money for 90 days, I did the same and I did not receive the money, please see the flyer attached in this complaint, this is a third class, ridiculous bank, and I will not suggest anyone to open the account in this bank. 

I spoke to a lady yesterday from the bank and she spoiled 30 minutes of my life, she asked me to send her all the documents I have, starting from the flyer, to the statements I have and then after 30 minutes, she was trying to make excuses that why the bank hasn't deposited the amount into my account. She started saying that I haven't deposited V A money or XXXX, and this is a business account. 

When I opened the account I also went to the teller of the bank and the teller told me that even if I will deposit the money in the atm that will also count as an ACH, Us Bank is not honoring what it said and my last resort will be to file a case in the court. 

US Bank had my money and used it, I meet all the guidelines they had on the flyer and I should be getting the bonus money.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX  I received a letter from JP Morgan Chase regarding an application they received for a new credit card account. They wanted additional information to complete the application. I immediately contacted them to say I did not make this request. They discontinued the request and placed a fraud alert. I contacted the state police and filed a report. I contacted all 3 credit bureaus and placed a fraud alert and a freeze on them. I submitted the report that was given to me and the only bureau that will not remove it is XXXX. They stated I needed a report from the FTC to remove it.
Product: Credit reporting

THIS IS NOT A REQUEST FOR YOU TO PUT ANY KIND OF FREEZE ON MY CREDIT REPORT OR TO PUT ANY KIND OF FRAUD ALERT. I AM CHALLENGING YOUR LISTING OF **XXXX COLLECTION AGENCY** ACCOUNT NUMBER XXXX AS IT DOES NOT MEET THE FCRA GUIDELINES. FIRST OFF I HAVE CONTACTED THIS COMPANY AND THEY ARE TELLING ME THAT XXXX XXXX NAMES IS ON THE ORIGINAL CONTRACT NOT MINE. SO HOW CAN YOU LIE AND SAY THAT YOU HAVE VERIFIED THIS ACCOUNT WHEN CLEARLY YOU HAVE NOT. YOU ARE BREAKING THE LAW AS I HAVE REQUESTED THAT PER SECTION XXXX OF THE FCRA THAT YOU FURNISH ME WITH THE ORIGINAL SOURCE DOCUMENT THAT YOU MUST HAVE ON FILE TO SUPPORT YOUR RIGHT TO REPORT INFORMATION AGAINST ME. YOU HAVE NOT DONE THIS SO YOU ARE NOW IN VIOLATION OF THIS SPECIFIC SECTION OF THE FCRA. YOU ARE HEREBY NOTIFIED OF MY INTENTION TO SUE TRANSUNION IF THIS IS NOT REMOVED FROM MY CREDIT REPORT IMMEDIATELY. NO MORE GAMES OR WASTING OF TIME. YOU HAVE 30 DAYS BY LAW TO PROVIDE ME THE ORIGINAL CONTRACT SHOWING MY NAME AND SIGNATURE OR REMOVE THIS.
Product: Checking or savings account

I loaned a person money on XXXX separate occasions in 2013. He received {$10000.00} and {$40000.00} in 2013. I need copies of these checks. I gave XXXX XXXX XXXXXXXX XXXX XXXX and Bank of America the dates these checks were dispersed, along with the information re the deposit made which enabled me to make a loan, and every single time with every single person to whom I spoke, their answer was some negative reason as to why they. could. not. help. me! 

And I pursued. 
All I heard was, " We don't go back that far We don't have records of statements. 
We don't have records of CERTIFIED CHECKS. '' And!! 
" We have no way of even tracing who it was that you spoke with XXXX weeks ago. '' So they found who it was that I spoke with only XXXX weeks ago, and he called me. 

He accessed the checking account statement that was " too old '' ; the statement that he and I went through when we were talking on the phone XXXX weeks ago. 

But ... even with the 'discovery ' of my checking account, with dates I was able to provide, they still can not deliver the copy of the {$40000.00} check. 

I reiterated and emphasized the importance of needing this substantiation, with everyone to whom I spoke, that without it I would not be able to hire a lawyer to retrieve my loaned {$50000.00}. 

I spoke to my " personal representative '' at XXXX XXXX XXXX more than XXXX time, and later in the situation, she simply stated that she was not the XXXX doing the research, and it was not her responsibility that the statements which I received only showed half of the page. In other words, the dollar figures which I was needing, were cut off. " Well '' she said, " I will reach out to my researcher again. '' What is with the cavalier attitude?! 

I am running out of time to be able to follow through with a lawsuit. Can I expect a response from you in a timely manner? 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below display as hard inquiries on my report & have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX These accounts displayed under Experian that i am unaware of must be removed. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

The privacy ACT of 1974 covers this complaint. 
credit card and all the secondary reporting agency 's XXXX XXXX equifax checks systems ; are reporting false and inaccurate PUBLIC & PRIVATE information including removal of checks and inquires. and knowing it is unlawful to REPORT ANY TRANSACTION ON A CONSUMER FILE.15 1681-.16cfr433.1.2 also committing language fraud 17cfr 424 all these violations are also prohibited under the ( FTC act ) 15usc45 prohibits 'unfair deceptive acts and practices affecting banking commerce & consumers in the normal course of commerce.also maybe i need to mention and remind the CRA 's CREIDIT CARD COMPANYS & BANKS ABOUT ( 5 u.s.c 522.a ) which refers and states the facts of ANY RECORDS MANTAINED ON ANY INDIVIDUALS.I am not even gunna begin to dive or discuses all the security fraud that has been committed in my name in this report there wouldn't be enough space to do so. but don't think its not going to happen in the very near future.so herein this report there is XXXX or more charge offs and XXXX hard check removal 's that have been removed from XXXX and not others there needs to be few more hard checks removed as well from all CRAs. so all the charge offs and removals of hard checks and all derogatory comments need to addressed immediately!!!!!!!!!
Product: Credit card

On XX/XX/year>, I visited Chase Bank at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to make a payment towards my Chase Visa card via the ATM. At XXXX XXXX, I deposited {$5500.00}. The machine accepted the deposit but returned {$500.00}, stating that not all bills could be accepted. After retrieving the returned {$500.00}, the ATM screen displayed an error message, and the machine issued a receipt with instructions to call XXXX. 

I called the number and was transferred three times before being advised to visit the branch. Upon the branchs opening at XXXX XXXX, I met with the XXXX, who had an associate call the same number, but no resolution was provided. I emailed the branch XXXX, XXXX XXXX, requesting assistance, but received no response after he promised to escalate the issue. He confirmed that XXXX handles the ATM reconciliation but could not offer a solution. 

I am concerned that when the machine is counted and reconciled, the {$5000.00} not applied to my payment will be evident, but I have yet to receive clarification or resolution regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : After being released from bankruptcy, there was an attack on my finances. 1 ) During bankruptcy someone added their student loans to my account. I wrote the judge and Trustee 2 ) After being released my balance went from XXXX to over XXXX. I have NOT signed for any loans. I paid for school at XXXX University in 2010. They wont correct that. I have NEVER signed for a private loan and I continuously see these small amounts like {$400.00} and {$600.00}. I asked in a dispute for the signed loan paperwork for all loans. I want an attorney to review all of them. I will not pay for some scrubs education. They one loan was for XXXX who attended some technical school. I have NEVER received a loan from ANY technical school. Recently I received a notice from XXXX saying a deposit was being made to my account from financial aid. I DO NOT receive financial aid ( have not for at least 10-11 years ).
Product: Credit card

I was deceived about a promotional rate via chat with Citibank. I was told the promotion for purchases was already available on my account and no other action was required. I have now received my first statement and I was charged at the standard APR. When I called I did n't get any resolution. I spoke with several managers who advised the rate did n't even exist. I explained numerous times that I had printed the chat transcripts and I needed them to be pulled as proof that I was offered the promotion. I was also told chat agents are not authorized to provide promos that consumers must call to have offers activated. I feel like Citibank is using unfair and deceptive practices to entice consumers to use their card under false pretenses. I was never offer any resolution to my issue after to speaking to XXXX manager in a total of 2 hours. When I asked managers to pull the transcripts I was told I do n't work in chats so I do n't know if we even save those. I wonder how many other consumers were blatantly lied to and never even bothered to look at their statement cause they trusted their creditor. Also the Citibank website makes it very difficult to view statements if your enrolled in paperless statements and I 'm wondering if this is a strategic move to continue such abusive and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have not been able to amend my annual registration on Georgia 's Secretary of State 's website to comply with the XXXX requirement because my identity can not be validated with Experian. I have attempted to contact Experian with this via telephone ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After being verified through their automated system, it notified me that they are unable to assist or transfer me to an agent that can assist and directed me to the website which is also not able to assist with my identity validation. No reason was provided. My security freeze is unlocked. I pay {$29.00} per month for their sevices. 
My requests for an agent and supervisor were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account number XXXX XXXX Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions. 

This account is also reporting as revolving. It is more than 7 years on my reports.
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 on how to remove the fraudulent items 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 items 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 items which 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 XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XX/XX/year> a letter of debt validation was sent by certified mail to Columbia Debt Recovery LLC , Genesis XXXX XXXX XXXX XXXX XXXX WA XXXX. 
XXXX XX/XX/year> confirmation of letter with signature *As of XX/XX/year> I have not received any documentation showing proof of debt as requested.
Product: Money transfer, virtual currency, or money service

I am writing to report a fraudulent transaction that occurred on the payment platform Venmo, which has caused me significant financial distress. The details of the incident are as follows : Payment made to someone impersonating my cousin Description of the Incident : On XX/XX/year>, I made a payment to a user on Venmo who was pretending to be my cousin. Amount : XXXX dollars. I later discovered that this individual was a scammer, and the payment was not legitimate. After sending the money, the recipient failed to communicate further, and my attempts to resolve the situation directly with them have been unsuccessful. 

The amount lost is significant, representing a large portion of my savings. As a student, this financial loss has severely impacted my situation. I have already filed a police report regarding this matter and have informed Venmo of the scam. Unfortunately, Venmo has not been able to provide a solution, despite being aware of the fraudulent nature of the transaction and having the scammers information on file. 

I am seeking the assistance of the CFPB to address this issue and advocate for consumer protection in situations like mine. It is disheartening to experience this type of fraud, especially when platforms like Venmo do not offer adequate protection for users against fraudulent transactions. 

Thank you for your attention to this matter. I hope to see improved consumer protections in place to prevent others from experiencing similar situations. 

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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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