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

I would like to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial instituion 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 expoilt the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I opened a checking account in XX/XX/XXXX XX/XX/XXXX called and requested account closure and cheque to be mailed to me in the amount of US {$1000.00}. XXXX advised a letter would be sent to me to be signed and returned then cheque would be mailed. 

XX/XX/XXXX - spoke to XXXX re my cheque as I have no record of receiving it but it shows online that the account is closed. He could not find any information about my account. He will have to check with Back Office. 

I have made a number of a calls - certainly more than 6 ; I had not kept notes on all but my last contact was XX/XX/XXXX. I had called on XX/XX/XXXX and again they could not find any info so could not verify me. I was told to go to a BMO in XXXX and have my ID notarised. I went in and spoke to a gentleman there by the name of XXXX XXXX. He told me they did not do nortarisation however he did call BMO Harris to try and help me. He got the same results I did - will have to check with Back Office because they dont have the information for my account. He left his information with them asking for a follow up and he promised to keep checking in for me. I assume he is having no better results than I am. 

XXXX from BMO Harris called me the next day ( XX/XX/XXXX ) to tell me they were still checking and that someone would call me EVERY DAY to update. I have not heard from her or anyone else since. 

I am frustrated with this process and tired of trying to get a plausible answer. On top of which this behaviour seems very suspicious especially coming from a bank. Closed accounts or records of any business do not not disappear from a system. Tired of the run around for my hard earned dollars. 

I can provide account opening letter, associated XXXX form, copy of deposits, statements, copy of debit card etc. 

Thank you.
Product: Checking or savings account

Someone opened a fraudulent XXXX account in my name and found fraudulently took money from my Citibank checking account using XXXX. I requested inform from XXXX and they would not assist me to get a refund. I opened numerous unauthorized transaction inquiries with my bank Citibank and they would also not assist me in getting a refund of the funds stolen from my account. 


Transaction Description Transaction Date Amount Withdrawal/Debit XX/XX/2022 {$500.00} Withdrawal/Debit XX/XX/2022 {$4000.00} Withdrawal/Debit XX/XX/2022 {$990.00}
Product: Bank account or service

My US BANK debit and credit cards were stolen from XXXX XXXX XXXX in XXXX, WA on XXXX/XXXX/15. I reported the theft immediately, but there was already {$1000.00} of fraudulent charges on the debit card. The cards were cancelled, but the account was still driven into the red ( there was only about {$37.00} in the account to begin with. No one at the bank has been able to explain how the thieves withdrew so far over the limit ). I submitted a fraud claim to US BANK to be refunded the stolen money. I did n't hear anything until yesterday when I received a letter stating that my claim had been denied and I was responsible for the stolen money. The letter said that if I had questions I could call and speak to a Fraud Prevention Representative XXXX a day, 7 days a week. This has NOT been the case. I 've been on the phone for 2 days trying to speak to a fraud representative -- they have NEVER been available. I 've been told my several people at US BANK that Fraud Representatives did not take phone calls and they 're unreachable. I was promised by a supervisor that a supervisor with the power to change the ruling would call me back by this afternoon ( XXXX on XXXX/XXXX/15 ) but that did not happen. In fact, when I called back at XXXX to catch someone before they left I was told that no one could help and that I was responsible for the charges. Meanwhile, I 've been called twice ( so far ) by US BANK collections demanding to know when I was going to pay the overdrafted account. I told them that the account was robbed and that I was waiting to hear from the fraud department. That did n't matter, they called back asking for the money.
Product: Checking or savings account

On XX/XX/XXXX, XXXX, a financial services company, withdrew {$2000.00} from my Citibank savings account and {$4000.00} from my Ctibank checking account.I have no idea how this happened because this is the first time I heard of this company, I called Citibank, and they said they couldn't do anything about it. Pease any help that you can give me would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress I want the CFPB to publish this. description on consumerfinar.e.yuv so that others can learn from ray experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. 
Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
XXXX XXXX XXXX will not ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish this. description on consumerfinar.e.guv
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has continuously been reported by the collection agency XXXX.. The medical bill was payed off and the agency agreed to remove it.
Product: Mortgage

I have been trying to postpone my sale date with PennyMac. First I was told my file was complete, then I was told it wasn't. Every time I tried to fax them something, it would take hours for the fax to go through, and I finally had to get their foreclosing attorney 's help in getting the package to them. I have complied with everything, but they continue to move the goal post, and I can not afford to reinstate. My hardship was that my fiance` and I parted ways, causing a disruption in my finances, a loss of income. I made the necessary adjustments in my life before I applied for the loan modification, as I am not confident I can support the mortgage on my own. One representative will tell me one thing, another representative will tell me another. I am in a panic. I have sent them a complete file. I obtained a Quitclaim Deed, then they wanted proof of hardship. I said the fact that he's not longer in the home and the Deed should be evidence of my loss of income. I was then told to send a bill that was in his name, that had to be switched to my name thereafter. I did so, and was told that wasn't enough. Please help! I am desperate!
Product: Debt collection

American Express ( or their representatives ) have repeatedly called my phone number via an auto-dialer attempting to collect a debt from an individual, XXXX XXXX. I am not XXXX XXXX and have shared this information on multiple occasions. They tell me that my phone number was given as a number for " XXXX XXXX '', even though I've owned this phone number for some time. Each of the 10 times this company has called, I have told them this number is not XXXX 's. They have told me they will continue to call to attempt to collect " XXXX 's '' debt. When I told them that what they were doing was " illegal '', they continuously denied that what they were doing was illegal and that they could take any action necessary to collect the debt. At this point, this is harrassment. I'd like American Express to abide by fair debt collection practices. 

The vendor uses local number - XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

XXXX XXXX, Equifax and XXXX are not responding to my requests to investigate and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may have been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. XXXX, XXXX XXXX {$0.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is doing illegal acts to my credit report. I did everything to show them my hard inquiries off my report over fraud. I sent them fcra 609, 611 and a 625 request to investigate my credit freeze letting in creditors into my file. This 8s illegal. I want my 2 hard inquireys off my credit file.
Product: Credit card

I have repeatedly set up my account for autopay, gotten confirmation that the account is properly set up, and then the payment does n't process. The website is clunky, and while customer service has generally been helpful, my account has now been closed. I 've submitted an official request for appeal, and received a letter that failed to directly respond to my request. Once again, my monthly autopay did not deduct, and this affects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating my right and credit report fcra 15 U.s. code 1681 ( a ) 2 exclusion Except as provided in paragraph three determined consumer report does not include debt collectors then try to profit off a debt the original creditor has already excluded from their finances. late payment are illegal In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 uac 1681 sextion 604 A section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 usc 166b : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes
Product: Mortgage

What happened? 
Complaint about the XXXX XXXX 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX/m 2. XXXX XXXX  took the loan over 3. My husband XXXX XXXX passed away. 4. Mortgage payment getting delayed. 5. XXXX promise to give us Flex Modification that we can qualify 6. XXXX XXXX XXXX   took over the services : XX/XX/XXXX 7. The point of contact pretended not to know about promised Flex Modification 8. Push to complete the loan modification form without any terms and conditions 9. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 10. Ask to the point of contact to payment record for justification of the amount. 11. The point of contact wants me to ask to the customer services for the record. 12. Ive contacted the customer services for the records. 13. No answer as of today XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these item, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

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

on XX/XX/XXXX  someone opened a loan with XXXX XXXX and also on XX/XX/XXXX  someone opened a loan with a XXXX XXXX both loans are a result of identity theft please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Dept of Ed/Navient account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of Ed/Navient verified the late payments as accurate. I received a email from Dept of Ed/Navient on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights, 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I was contacted about a series of collections that I was not aware of or they had the wrong information, which is a violation of the FCRA : - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX I've sent letters to disputing these accusations but they have yet to get back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter about inaccurate & false reporting things on my credit report. it has been over 40 days an I havent received a response yet.I feel like Im being taken advantage of and ignore of my disputes. Section 611A it is plainly stated that a failure to completely investigate these items with in 30 days gives a reason to Immediately remove these accounts from my credit report.it has been over 40days so they should be deleted Promptly.I demanded that these accounts be deleted immediately or I will file for Litigation do to the stress youve caused me my information was also impacted by the equifax data breach and might have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credie Reporting Act XXXX these account below have violated my rights. 

Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX  Account # : XXXX Account Name : DEPT OF ED/XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Account Name : U S DEPT OF ED Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2019, I was searching on XXXX for tickets to the XXXX XXXX XXXX at XXXX XXXX for game 3 in XXXX Playoffs. I found an ad that had pictures and information on the  seats, and for how much. The price was {$190.00} for 2 tickets. I had contacted the person to set up a meeting and to buy the tickets. Through text message, XXXX XXXX requested money to be sent through XXXX and would then have the tickets transferred over through XXXX. I transferred the money, and heard nothing back from the person. I never received the tickets and was scammed out of {$190.00}.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : 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

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 3. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2025 XXXX XXXX balance {$4500.00} contacted them for foward flow agreement letter as well as the chain of assignment Discover credit card and the amount of XXXX ask them for forward flow agreement in Chain assignment. XXXX XXXX XXXX XXXX XXXX asked for flow agreement in Chain assignment