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

I want formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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

I requested a free report from Transunion in regards that I was turn down for a car loan. I have yet to receive my free credit report after being turn down for a car loan.
Product: Payday loan, title loan, personal loan, or advance loan

I am being discriminated against by this bank. I have a perfect credit record with a high credit score. I have a credit card with this bank, and always paid off the amount ever month. The first thing the bank done to me was deny me a raise in my credit limit with no reason given. Then I applied for a personal loan for {$5500.00}. After asking me all sorts of personal questions like if I am retired, my age and how long I owned my home. Then without any reason they again denied me my loan. I been a member of this bank for about 5 years. I asked another bank and they told me I am eligible for this loan. The only reason I claim that I was denied was because of my age, and that I am on social security payments. My payments go to this bank as well.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX please see the attached below
Product: Checking or savings account

I was XXXX by XXXX XXXX XXXXXXXX police for reporting debit card fraud for my bank account ending in XXXX. I still have not received a debit card for the account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have disputed the account of XXXXXXXX XXXX WITHE the bureau of XXXX and Equifax about the original contract sing XXXXXXXX XXXX ever received
Product: Credit reporting, credit repair services, or other personal consumer reports

Hallo : My name is XXXX XXXX the problem I am with this company Capital Account they reported that I had XXXX done in XX/XX/XXXX in XXXX, fla. And when I called them myself they said the original date was in XX/XX/XXXX it can't because I was having my own XXXX DONE IN XX/XX/XXXX TO XX/XX/XXXX I STILL HAVE THE XXXX that was XXXX AND XXXX  and paid BY HEALTH INSURANCE IN XXXX , N.Y. and I Did Not Travel anywhere because my oldest daughter XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX And she lived in XXXX , N. Y. And in XX/XX/XXXX I was going back and forth from XXXX to XXXX to family Court for my grandson all the way to XX/XX/XXXX. And after that I moved into my new apartment at XXXX XXXX XXXX XXXX XX/XX/XXXX and I got my Section 8 approved at the same time in XX/XX/XXXX. And I been taking care of lower back severe pain. I have the paper 's anything you will need. And I did have the father XXXX XXXX XXXX d.o.b. # XX/XX/XXXX who lives in XXXX, Florida he stole from my florida food stamp card he was using it and I was not awhere of this until I moved back to XXXX XXXX XXXX In XX/XX/XXXX and I went to apply in New York food stamp office they said I was collecting in florida so I had to give them his information and I had to show them I had nothing to do with it did and I finally won my case and was able to start receiving my new benefits. Capital Accounts # XXXX. I was able to get XXXX to help me with this item they were able to take out of my Credit Report and then I tried to get XXXX  credit report to help me and they were not able to help because Capital Accounts said it was mines and that was it!
Product: Credit reporting or other personal consumer reports

I have tried with several companies to open a credit card. I have been denied everytime. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have income of XXXX XXXX. 
I have a XXXX XXXXXXXX XXXX loan that I pay XXXX XXXX a month on that does not show up on my credit report. 
My credit report has no negative information, and I have no late payments against me. 
I do not understand why I can not open one single credit card. 
XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

I've been making monthly payments on time for over a year. My initial XX/XX/XXXX statement ( received XXXX ) was normal. However, I received a new statement on XX/XX/XXXX stating I owed {$23000.00}, which included my regular monthly payment and 6 past due monthly payments. Since then, I've received certified pre-foreclosure notices, late fee notices, XXXX solicitation notices, ACH deletion letters, and a breach letter ( XX/XX/XXXX ). I've called Thrive multiple times ( XX/XX/XXXX and XX/XX/XXXX ) to resolve this and provided my payment history showing I have never missed a payment. However, they have not resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Tenant  Screeners XX/XX/2019 Experian XXXX XXXX XXXX Tenant  Screeners  XX/XX/2019 Experian XXXX XXXX XXXX XXXX XX/XX/2019 Experian XXXX Credit Card - Finance Company XX/XX/2019 Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2019 Experian XXXX XXXX XXXX XXXX - Mortgage Loans XX/XX/2019 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

On XX/XX/year> I mailed a certified letter to XXXX XXXX XXXX requesting the validity of an alleged debt they claim I owe, and I have yet to receive a response!!!!
Product: Checking or savings account

This is my Third complaint : please reference XXXX & XXXX. 

Chase closed my checking account because of failure to validate the validity of 2 out of 3 checks Deposited.

I was told by Chase support that the Issuer of the checks needs to place a stop payment. I am being told by XXXX XXXX  & XXXX XXXX XXXX XXXX that they can not place a stop payment on a check for which the funds have been transferred. The checks cleared the issuing bank so i am being told its out of there hands. 

This nightmare started in XXXX. I have not been able to get any help from chase. 
I wait for 20/30 mins every time i call the support number only to be told the same Information. I walked into a chase branch and was told by the branch manager that this is a common occurrence and I should save my self the time and aggravation and consider it a loss and move On. 

I am suffering considerably as this Drags on. I was late with my rent for XXXX, I used my XXXX checks to catch up with my rent. Tomorrow is XXXX and i dont have my rent money at all. I will be fined XXXX dollars for everyday it is late after the first 5 days. 
I may not be able to pay my rent until the third week of XXXX which means i will have to pay an extra XXXX dollars. I have put XXXX XXXX  i had planned on hold because now that i lost what inessentially totals 3 weeks of my labor things are just going down hill. I am being charged late fee, My credit score is going to be effected.

i have not made my child support payments, If i am more then 90 days in the rears they may suspend my drivers license if that happens i will lose my Job.

I dont know what else to do or to say. I desperately need assistant in having my money returned to me. Chase is ruining my Life and the worse part is Chase does this with impunity to Thousands of middle class and poor people. There are stories online about chase doing the same thing. The branch manager i spoke to admitted he has people come in on a regular basis and all he can do is refer them to the same support number that does not help at all. 

Please i know XXXX dollars is not a large sum of money but i need it so terribly bad. 
I didnt realize how quickly things spiral out of control. I have heard stories of 1 emergency destroying a persons life because of a small debt. Now im living it and i cant find anyone to help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the account and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be removed from my credit report to safeguard my personal and financial information. 
Affected Account : 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
Product: Credit reporting or other personal consumer reports

I also want to address the charge-offs listed on my report. According to applicable laws, once a charge-off is declared, it can not legally be sold to a collection agency. Therefore, I request that any charge-offs be adjusted to reflect a zero balance. 

Furthermore, under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation. 

Please conduct a comprehensive investigation and update my credit report accordingly. I expect a written response within 30 days, as stipulated by the Fair Credit Reporting Act. 

Enclosed are copies of supporting documents to assist with your investigation. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I have been refused to received documents as home owner and loan holder with false reason. I did not asked W.F.B to cease and desist and attorney roods is ration for privacy violation. 
W..F.B has refused to send to my inquiry and issues to me by misinterpreting my letter of XX/XX/2021. All documents has been mailed to attorney rerecords that are not related to pricey violation. 

However I received attached document from W.F.B without the name and I have many other documents I have received has no name.
Product: Credit reporting or other personal consumer reports

HELLO HI HELLO HI XXXX  HUMAN

			 
 
 
CEASE AND DESIST OF REPORTING FRAUD ACCT XXXX
 
	
MUST BE REVIEWED BY A HUMAN HUMAN XXXX  XXXX  CEASE AND DESIST OF REPORTING UNAUTHORIZED ACCTS CEASE AND DESIST OF IDENTITY THEFT CEASE AND DESIST OF VIOLATION OF 1974 PRVACY ACT CEASE AND DESIST OF VIOLATION THE GRAMM-LEACH-BLILEY ACT 18 USC 214,18 USC   1348, [GAAP] VIOLATION, 18 USC 1028 GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
TO WHOM: IT MAY CONCERN ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a (2) | DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS THEY READ:: ATTN: EXPERIAN XXXX XXXX ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USSC 1681a (2) | DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST FRAUD PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED/REPORTING ON MY CONSUMER REPORTS THEY READ: XXXX XXXX XXXX XXXXPLEASE REMOVE THESE UNAUTHORIZED FRAUDS ACCTS FROM MY CONSUMER REPORTS THANK YOU SIRS/MA'AM CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND OF {GAAP) YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO GRAMM LEACH BLILEY ACT1681(ad2ai) thanks! TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. | HAVE FILED A POLICE REPORT CASE XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS XXXX  . IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. SINCERELY XXXX XXXX XXXX UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Key Bank acct  XXXX   XXXX   XXXX  on Tuesday  XXXX   XXXX  my account had a positive balance of {$7.00}, then deposited {$57. 00} ( cash  ). on wendsday  XXXX   XXXX , I saw they slipped in an over draft charge, but before and after the charge according to the online register my account was never overdraft. how can I get an over draft charge when my account was positive Friday night, Saturday, sunday and Monday and Tuesday.     I guess they feel they can slip a f ast one by cu stomers, they could not offer me an explanation at all. I feel like the bank has taken advantage of a veteran, over the weekend we should be thanked for our service.
Product: Credit reporting or other personal consumer reports

This is a formal demand for the immediate removal of inaccurate, incomplete, and unverifiable information from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). XXXX, Experian, and XXXX XXXX have violated FCRA 1681e ( b ) by failing to ensure the maximum possible accuracy of the information they reported. This inaccurate information has harmed my credit profile and must be deleted without delay.

Under FCRA 1681i ( a ), credit reporting agencies are required to delete any disputed information that can not be verified. XXXX XXXX, as a furnisher of credit data, has further violated FCRA 1681s-2 ( b ) by failing to properly investigate and correct this inaccurate information. Additionally, if this information was reinserted after prior removal, this action was taken in violation of FCRA 1681i ( a ) ( 5 ). You are required by law to immediately remove all inaccurate and unverifiable data from my credit report and ensure that no further violations occur. 

Failure to comply with this demand will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to seek legal action to recover statutory and punitive damages for your ongoing violations of the FCRA. This matter must be resolved immediately to avoid further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act THE BANK XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. 

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Credit card or prepaid card

Please Read This : Credit card # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX not activated XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX call me I will give you my SS # Phone XXXX XXXX XXXX I am XXXX XXXX XXXX. 

On XX/XX/XXXX I was notified by the VP of workout anytime my membership was terminated. So, when the bill came, I contacted Comenity bank. I spoke to XXXX of their reps and sent them the email from XXXX XXXX. 

I said I am only going to pay XXXX dollars for what I owed. So, in XXXX they sent me a bill stating I owed them interest and a late fee because I paid it at XXXX XXXX 

I told the bank the XXXX does not end until midnight. 

They did not care and my credit dropped from XXXX to XXXX and that has XXXX me off. 

I have a complaint with the XXXX & a Law firm who has sued them successfully in XXXX. 

Any help I would appreciate if you return my credit score back to XXXX My office number is XXXX I am in Florida Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Subject : Membership Good Morning XXXX XXXX After reviewing previous emails, survey responses, and speaking with gym staff, it has become obvious that we are unable to meet your needs with respect to our facility in XXXX XXXX XXXX Though we do our best to accommodate the goals and desires of our members, sometimes it's just not a match. When this occurs, we feel it's best to allow our members the opportunity to pursue their fitness goals elsewhere. 

To that end, your membership has been canceled and you will no longer be billed for services. There is no need to mail your key tag back ; it has been deactivated. 

We hope you find a facility and environment more to your liking XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This involves a Chase Advantage ( checking ) account. It's like a credit card, but used by checks only. The account was under my husband 's name only ( contractually person ), I as his spouse was " authorized user ''. My husband passed away XXXX XXXX, XXXX. I went to Chase Bank with Death Certificate and they " refused '' to write account off ( no explanation as why the refusal ). I was " forced '' to change account to my name, so I did. At time of death the balance was {$3600.00}. I faithfully paid on account, but XXXX, XXXX I paid account off as it was unusable since XX/XX/XXXX ( Chase no longer honored this type account ). I paid {$1900.00} ( with a no interest credit card till XXXX ) + {$10.00} interest billed in XXXX. I read an article in XXXX bulletin about Death & Debt and it stated that an " authorized user '' may not be responsible for debt balance due at death. So, I wrote a letter to Chase requesting that they please consider paying me back what was owed at time of my husband 's death, and gave it to Branch Manager on XX/XX/XXXX, and I HAVE NOT HAD ONE RESPONSE TO MY LETTER which is really very frustrating. I may be a XXXX year old widow, but that's not an excuse to completely ignore my request. I have consulted an Attorney and he was the one who gave me this information about your Website. I will forward the letter that I wrote to Chase as it has lots of detail in it. I hope this information is helpful to start process.
Product: Credit reporting or other personal consumer reports

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX