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

I am writing 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 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 customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed an account displaying on my consumer report that is in violation of my rights as a federally protected consumer under Title 15 Chapter 41 ( Consumer Credit Protection ). Equifax is violating my rights displaying account : XXXX XXXX XXXX XXXX XXXX. I demand this account be removed from my credit report immediately. 

Pursuant to 15 USC 1681a ( 2 ), Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card, under 15 USC 1681, is the same as it is under 15 USC 1602 which states the term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card used is my social security card. This is the credit card used to originate every consumer credit transaction on my consumer report. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) which details exclusions. As such this transaction is to be removed from my credit report. I am demanding that XXXX XXXX XXXX  XXXX XXXX be removed from my credit report immediately.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX, I received a calls from XXXX XXXX XXXX concerning a Medical bill. I asked them to mail me detailed outline of services rendered along with the bill and I will promptly sent them a check for the total amount. All they sent was the bill. 
On Friday XX/XX/XXXX at XXXX XXXX central time, I received a call from XXXX ( employee number XXXX ) with XXXX XXXX XXXX concerning the same matter. Once again, I asked them to send me a detailed statement of services rendered along with a bill and I will send check for full payment. She stated they sent the bill in the past. I told her I got the bill but not the detailed statement. 
She continued her attempt to make me pay by credit card or to give her my bank info for an electronic check. I stated I was not giving my personal info over the phone and that I would promptly mail a check for full payment once I received the detailed statement and the bill. She continued to harass me and threatened to report as bad credit if didn't pay with her. I Firmly asked XXXX if they are willing to take my check. She stated they ONLY take credit/debit cards and electronic check. I asked to speak with her manager and she put on hold and ultimately hung up.
Product: Checking or savings account

I bank through chime bank and they normally handle my issues very well. I recently had some unauthorized withdrawal happen on my account from December 2024-January 2025, as soon as I noticed and made time to call ( due to me having XXXX kids to take care of and XXXX dogs ). When I called I mentioned that I have documentation to prove that these were not me and I did not withdrawal this money from my account into XXXX XXXX. The cash name was different from my name and I showed bank statements and my XXXX XXXX name to prove I did not make that transaction. The transaction happened in XX/XX/XXXX was amounting out to {$490.00} dollars and only disputed for not even a full day. I am unsure if they even did anything but just click denied because I filed on a Friday and it was denied Saturday morning. In XXXX {$2200.00} dollars taking out and put into to someone elses XXXX XXXX. With this dispute they took a couple businesss days but then quickly was denied as well. Both of which times I lost my phone during the matter. Because of the holidays I was all over the place and happened to loose my wallet, care keys, phone, and etc. As well as I was moving back home from college at the time. 

I reported it with the bank and mentioned that some of that money was for my rent. I stressed it everyday for a couple days, calling back to back I need my money back, I have rent to pay. I have not gotten any sort of help what so ever and then come today XX/XX/XXXX my dispute was denied and I did file a re-disputed but I do not feel like I am being treated fairly because that is my money so if it was disputed correctly my money should have returned to my account. Some of which came from my school to help me with moving and to help me with other financial needs for colleges. 

So now Im here, in a bit of a situation because I need things for my household, for rent, for college, and transportation because I currently do not have a car. Please help. Chime is not fairly disputing these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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 am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called to close my Indigo credit card account in XXXX of XXXX. I had previously had a balance on this card and had paid it off and closed the card due to the high annual fees they charged. The agreed to close this account in XX/XX/XXXX prior to the annual fee being assessed in XXXX of XXXX. I just got a statement in the mail this month for {$5.00} for a monthly fee and called the company who informed me that the account was still active. I logged into the website and noticed they had charged me both the XXXX annual fee and XXXX annual fee plus random sporadic monthly fees. The card was on autopay so the payments were being made and I did not notice. The card has not been used since the time I requested the original closure. The company agreed to give me one annual fee and monthly fee back and told me they could not refund the others. This seems like fraud on part of the company as I requested the account be closed in XXXX of XXXX and the cancellation was never processed by their agents.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  NA Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation and Cease and Desist Dear To Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number 0021. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question.

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor.

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report.

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so.

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Bankrupt XXXX Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$190.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I am writing this complaint concerning an inaccurate account and violations per the FDCPA and FCRA regarding an alleged debt place on my consumer reports by a debt collection company called SST. I have never had communication from this company. I have disputed this alleged debt through the consumer reporting agencies, and it returned verified as accurate when the account is in fact inaccurate. I have mailed this company a debt validation letter and I did not receive a response. I did not receive any disclosures regarding this debt, and I did not receive enough information regarding this debt. SST is damaging my reputation per 15 USC 1692d1, they are violating 15 USC 1681s-2 ( a ), and the fact that they did not validate the alleged debt, verified it as accurate as accurate, but continued to report inaccurate account information regarding this alleged debt constitutes fraud per 18 USC 1001 . This company does not have a license to collect in the state of LOUISIANA. The account they furnished is also missing payments. The payments start as " 90 days late ''. This is account is practicing deceptive and abusive behavior.
Product: Debt collection

I have requested number of times that they produce proper documentation and all Im told is just pay. I have also asked for an investigation and it is not being complied with under the fcca.
Product: Money transfer, virtual currency, or money service

I first contacted Coinbase/XXXX, which are two affiliated exchanges, on XX/XX/XXXX to ask that they provide access to my XXXX   account. Among other reasons, I need access to my XXXX  account to obtain my virtual currency transaction history that is necessary to complete my tax return. After numerous emails and phone calls with Coinbase/XXXX throughout XX/XX/XXXX and XX/XX/XXXX ( emails attached ), they have still failed to resolve this issue and still have not restored account access. Instead, they have sent me multiple irrelevant boilerplate emails regarding declining to give tax advice ( which I never asked for and has nothing to do with my issue ). At one point, they informed me in anXX/XX/XXXX phone call that they had wrongly cancelled my support request without informing me and for no given reason. They have also stated by phone that their phone support staff are unwilling to communicate with the technical staff members who can fix this issue.

I have informed Coinbase/XXXX multiple times in my emails and by phone that restoring account access was time sensitive so that I could complete my tax return. Despite this and despite the numerous communications I have had with them, they took no steps to resolve this issue and I have been forced to file a tax extension with the IRS. Because this issue is still unresolved, I may be unable to file a complete and accurate tax return even after this extension due to Coinbase/XXXX 's actions. I believe that Coinbase/XXXX 's actions constitute obstruction of tax compliance, a federal crime, and their actions are putting me at risk of facing tax penalties or other IRS action that is solely because of Coinbase/XXXX  's knowing failure to address this issue. I am requesting assistance dealing with Coinbase/XXXX so that they will resolve this issue immediately and restore access to my account so that I can obtain this transaction information necessary to meet tax requirements.
Product: Checking or savings account

We have business account at Chase Bank. 

One of customer 's check, that we deposited in our account, supposedly got returned. 

Chase took the money out of our account. Chase has not provided us with any info about the customer ( or check copy ). 

So we have no way of knowing, which customer or why the amount was deducted from our account. 

I have gone to two different Chase branches- talked to banker and manager. No response. 

They all recommended calling customer service. That did not do any good either. 

Then I wrote to Chase at the XXXX XXXX, TX address that is on our monthly statements. 

Got no response for XXXX month. 

Then I sent a CERTIFIED letter. Still no response. 

So I begging you for help. 

We can try to collect if know-who and why. 

If it is a mistake on Chase part ( or Chase can not produce the necessary information ), Chase needs to credit back the amount to our account.
Product: Debt collection

At XXXX XXXX, a family member of mine received a phone call from the number given. I called the number and asked them what was the situation. The person on the line claimed I owed an outstanding debt of about XXXX dollars. I told them that the medical insurance told me everything would be covered, only the copay, I would have to pay, if there was any. This supposed debt is from a doctors appoint from around XXXX. The person on the line threatened to sue me if this supposed debt was not paid
Product: Credit reporting or other personal consumer reports

Dear CFPB Dispute Resolution Team, I am writing to formally dispute inaccurate information on my credit report, which I obtained through XXXX on XX/XX/scrub>XXXX I believe that the data reported by the credit bureaus contains errors that negatively impact my credit standing, and I respectfully request an investigation into these inaccuracies. 

Specifically, the issue is with the account reported by " XXXXXXXX XXXX XXXX  XXXX '' on my credit report. According to the reports from XXXX, XXXX, and Equifax, the account shows late payments which are inaccurate. I have never missed any payments on this account or any other account. 

The credit report details are as follows : Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX ( Full account number is available upon request ) Credit Bureaus Reporting Late Payments : XXXX and Equifax Reported Late Payment : 30 days past due on XXXX and Equifax Please see the attached screenshots of my credit report, which demonstrate that the account was reported as closed and fully paid as of XX/XX/scrub>XXXX XXXX XXXX There are also consistent " OK '' indicators in the two-year payment history for each bureau, reflecting timely payments. Despite this, both XXXX and Equifax report a XXXX late payment in the XXXX history section, which is erroneous. 

I request that the CFPB assists in investigating and removing these inaccuracies. The incorrect reporting of late payments has the potential to harm my creditworthiness unjustly. I am attaching copies of my credit report screenshots, which highlight these inaccuracies, as well as any additional documentation requested to assist in resolving this matter. 

Account Status for XXXX XXXXXXXX XXXX XXXX  : The account is marked as closed with a balance of {$0.00} as of XX/XX/scrub>XXXX XXXX XXXX 
The " Two Year Payment History '' section for XXXX, XXXX, and Equifax all show " OK '' for each month, indicating no missed payments. 
Inaccurate Reporting of Late Payments in the " Days Late - 7 Year History '' : Despite the " OK '' history, both XXXX and Equifax report a XXXX late payment in the XXXX history section. 
This is inconsistent with the " XXXX XXXX XXXX XXXX '' section, which shows all payments as " OK '' without any missed or delayed entries. 
Inconsistencies in Creditor Remarks : XXXX notes that the account was " XXXX, was past due 30 days, '' which contradicts the reported " OK '' status in every month. 

Thank you for your attention to this matter. I am confident in your ability to help rectify this situation and ensure that my credit report accurately reflects my payment history. 


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

Someone used information to obtain XXXX XXXX XXXX   account # XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX account XXXX on XX/XX/XXXX, XXXX XXXX account # XXXX on XX/XX/XXXX