23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My US bank checking account was suddenly closed without notice or any communication between myself and the bank due to fraud activity. Someone had given me a fake check to cash so the bank simply cut all ties with me even though I was unaware of the check being fake. 

On XX/XX/2023 my employer XXXX paid me XXXX deposits in the amounts of XXXX and XXXX to my US Bank checking account. The funds were frozen by the bank and I was told after many phone calls to help desk as well as a branch manager that the funds were to be returned to my company so they could reissue them to my new bank with XXXX XXXX. This never happened... US Bank instead " claim '' they sent a physical check to my mailing address on XX/XX/XXXX. I was in XXXX XXXX during this time but my family said the check never arrived in the mail, ever. 

Upon returning home from XXXX XXXX I have called US Bank 5 times I order to have the check issued and sent to me so I can be done with this nightmare process. I have even demanded to speak to a supervisor and they deny me this right. The last agent I spoke with told me the name of a US Bank supervisor named XXXX XXXX whose title is CSR manager. I was guaranteed and promised I would be receiving a call from this supervisor by the end of the day. This was 4 days ago ad I have not received a call or email or any form of communication from US Bank whatsoever. 

Please help me! US Bank is withholding my money from me and is intentionally avoiding paying me my check from 3 months ago!
Product: Debt collection

TD Auto Finance issued an auto loan to someone using my identity in XX/XX/XXXX. I disputed the debt and received notification that TDAF found I was not responsible for the debt and it would be removed from my credit report on XX/XX/XXXX. 

Over the past two weeks, I have twice had a repossession agency XXXX XXXX stop at my house to look for the vehicle at TDAF 's behest. This constitutes harassment for a debt acknowledged as not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Accurate Background check was issued my information for a background check by their client XXXX XXXX and XXXX XXXX it took them 30 day to complete the background check and yet again they submitted incorrect information about my background to their client which hindered me from several job offers, because in the state of Texas XXXX XXXX   is not supposed to come up on a background or be reported or shown to a employer because in the state of Texas XXXX XXXX in Texas is a special kind of XXXX  that gives you the opportunity to keep your XXXX  off your XXXX  record. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Lastly my XXXX XXXX  was XXXX This is reporting inaccurate information that has deprived me of employment which has deprived me of momentary wages.
Product: Vehicle loan or lease

I have a fraudulent auto loan reporting on my credit that was opened on XX/XX/2018 that I am refuting. I have never applied for services nor extended my credit to this provider in any matter. This loan is the result of an identity theft that was done without my knowledge or consent. The loan amount is for {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX XXXX, AmeriCredit, XXXX XXXX XXXX, and XXXX XXXX.
Product: Debt collection

Due to id theft, accounts were opened in my name Upon receiving a letter from the original creditor saying i am not liable for this debt. portfolio recovery is still continuing to try to collect and say i owe this debt. They are making my credit score suffer and it's the only debt that is on my credit report. They gave a bogus letter which was suppose to " Validate '' this debt however the information was not even mine. This is unfair and abusive.
Product: Credit reporting or other personal consumer reports

There's some hard inquiries on my credit profile and they do not belong to me
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally file a complaint concerning the presence of fraudulent items associated with my account/profile. It has come to my attention that unauthorized and fraudulent items are currently associated with my account, and I am deeply concerned about the potential impact on my financial and personal well-being. 

The fraudulent items in question include [ provide a detailed description of the fraudulent items, such as unauthorized transactions, false information. Enclosed with this letter, you will find supporting documentation to substantiate the validity of my complaint. 

I would like to express my disappointment and concern regarding the following matters : It has come to my attention that unauthorized transactions [ or other specific fraudulent activities ] have occurred on my account. This not only poses a serious threat to my financial security but also raises questions about the integrity of your platform/system. 

The presence of these fraudulent items suggests a potential security breach, and I am deeply troubled by the possibility that my personal information may have been compromised. I request a thorough investigation into how this breach occurred to prevent future incidents and to protect the security of all users. 

Given the sensitive nature of this matter, I expect a swift and effective resolution to remove the fraudulent items from my account. Timely action is crucial in mitigating any further damage and restoring my confidence in your platform. 

I understand that your company takes matters of fraud seriously, and I trust that you will handle this complaint with the urgency and diligence it deserves. I kindly request regular updates on the progress of the investigation and the actions being taken to address this issue. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have account with XXXX XXXX XXXX. We applied for a business loan and was turned down because Transunion reported that we are Serious Delinquency, accounts not paid as agreed, time since delinquency is too recent or unknown and number of accounts with delinquency. So I checked the credit report it is XXXX that is reporting that our loan was charged off XXXX XXXX put we are making payments. We checked the credit report again on XXXX, XXXX and it says charged off as bad debt, profit and loss write off and closed. We have been making payments, so should we not make anymore payments or what? Where have my payments been going? We applied for a loan did not get it. We XXXX XXXX XXXX XXXX we really could use a loan did not think there would be a problem. This is hurting our business we went to several places could not get one our personal credit is always checked. We have worked real hard to have good credit. One of our store credit cards have lower our credit line. When will this stop? Is it XXXX or Transunion or both. We have never had a problem like this. Hope you are the right place to go.
Product: Money transfer, virtual currency, or money service

Subject : Dispute with PayPal Over Fraudulent Transaction and Denied Refund I am filing this complaint regarding an unresolved dispute with PayPal, which is acting as a digital wallet and payment service provider in my transaction. 

Date of Transaction : XX/XX/year> Amount : {$370.00} USD PayPal XXXX ID : XXXX PayPal Case ID : XXXX Seller : XXXX ( real name : XXXX XXXX, email : XXXX ) on XXXX Item Purchased : XXXX XXXX XXXX XXXX XXXX XXXXr Summary of the Issue : After purchasing the item, the seller failed to provide legitimate shipping or delivery confirmation. 
The seller eventually uploaded a XXXX  tracking number ( XXXX ) that was confirmed to be fraudulent : It does not list my name or address as the recipient. 
The delivered photo is not of my home. 
The package dimensions do not match the purchased item. 
Despite submitting detailed evidence of this fraud to PayPalincluding receipts, screenshots of messages, and proof of non-deliveryPayPals resolution process has not issued me a refund. 
The PayPal dispute has dragged on without resolution, and I have repeatedly requested that PayPal honor its buyer protection by refunding me for an item never received. 
How Ive Tried to Resolve : I opened a dispute on PayPal on XX/XX/year>2025 ( Case ID : XXXX ). 
I escalated this case with PayPal on multiple occasions, provided all requested documentation, and clearly showed evidence of fraudulent practices by the seller. 
The situation remains unresolved. PayPal keeps indicating the case is under review but hasnt taken any final action to refund me, even though the proof of fraud is overwhelming. 
What I Want : I am requesting a full refund of {$370.00} through PayPal, as this is a clear-cut case of seller fraud and non-delivery. 
I would also like PayPal to investigate its handling of my claim to ensure compliance with consumer protection laws and its own buyer protection policies. 
I am submitting this complaint to the CFPB because I have exhausted all attempts with PayPals normal resolution channels, and I believe PayPal is not taking the necessary steps to protect me as a consumer from blatant fraud. 

Thank you for your attention to this matter. I look forward to your assistance in obtaining a proper resolution.
Product: Money transfer, virtual currency, or money service

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

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct Name : XXXX XXXX XXXX XXXX  Acct # XXXX Acct NAme : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX  Acct # xxxxxxxxxxxxxxxx XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

This account was previously disputed as it did not belong to me they have refused to remove and validate the debt XXXX XXXX was previously disputed and confirmed not my account they are now showing under a different company XXXXXXXX XXXX Other reporting agencies have confirmed not mine and removed except experian. 

I tried to fix this for over 2 months and company does not remove I have attached screen shots to show previousl results when it was removed right after that it showed as a new collection with new open date and is now showing as a collection.
Product: Checking or savings account

On or about XX/XX/XXXX I received again the following documents from ELLS FARGO in the letter attached it specifically states under documentation requests We apologize that we are unable to meet your request and provide specific reasons for this process. To do so would jeopardize the integrity of our investigations so again theyre denying to provide me authenticated evidence i.e documents, call logs, names, anything to support their findings of the transactions withdrawn from my account XX/XX/XXXX by a XXXX XXXXXXXX  being valid or no error occurred but also refusing to reissue my securities back to my account. They also reissued copies of my bank statements which Wells Fargo has been made aware that bank statements are false and misleading representation of evidence and omitted from material facts, statements only show there is an account but it doesnt prove that I was aware of the transactions nor did I give consent, or have knowledge of the transactions in question being taken from my account.
Product: Vehicle loan or lease

I have been paying my car note on time with a 25.99 % apr for over 2 years.never had a late payment.my balance is not budging even tho i pay {$550.00} a month.they told me they can not lower the payments or refinance.so i fell or hardship and asked for a payment plan until im able to catch up and oay it in full.i was informed that i wouldnt have a delinquent account if i paid the {$100.00} per month.i 've paid it each month but they still are reporting my account as delinquent and pass due.i asked them to fix it being that i was misinformed and they declined.my credit has dropped XXXX points because of this and i was in the process or purchasing a home
Product: Vehicle loan or lease

The payment list that Westlake Financial sent me is wrong. I've have it on my credited report from XX/XX/XXXX, that was pulled because I was buying a home and it shows U.S. Auto on it. It shows how long I was to pay on the vehicle, the start date of my loan which was XX/XX/XXXX, which they got wrong and the amount that I would have paid in XXXX years, 66 months, which has been done and I have OVER PAID! The month of XXXX of XXXX is when the loan has been paid off. The loan agreement I had with U.S. Auto was {$14000.00} and that was payments of {$370.00} for 66 months, 5 years and 5 months. My calculation brought it up to with the payments all the payments I have made totaling {$24000.00} which {$10000.00} is over paid just for {$14000.00} on a used XXXX XXXX XXXX XXXX. It is XXXX years old and not working. I've put over {$7000.00} in the vehicle for a rebuilt motor, transmission and more. I want my money back which is {$10000.00} that I've paid over then what I should have paid. Since Westlake Financial wants to act on the behalf of U.S Auto, whom were sued because of the way they financed out their vehicle to customers whom were desperate and need a vehicle, due to their credit. They need to pay me all the money that were overly paid and give me my title to my junk car. In their own paperwork they sent me. Term XXXX and only XXXX paid. This shows that they TOO is trying to scam me out of more money. The {$200.00} that I've sent on XX/XX/XXXX which was {$690.00} I have sent total only {$430.00} went toward the payment. Now, they can't keep all of their paperwork straight. Me think they were going to be law binding and sent me the real paperwork. They sent me something they typed up. I have went back to their site and noticed they changed it where I couldn't see the interest they charged me which is {$41.00} and for the principal it is {$94.00}. Where is the {$39.00} going to? That is coming from a payment of {$170.00} which XXXX XXXX XXXX XXXX XXXX is all that going towards the loan. I'm also giving this to my lawyer. I've did my homework and I need some answers. My mom vehicle totalled {$24.00}, XXXX plus for a brand new car she also purchased in XXXX and also had 5 years and XXXX months to pay it off. Mines should have never been so much for so long with a old car.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 


Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened my own bank account and Navy Federal credit union changed my statements to my ex husband mailing address. Nobody could tell me why this error was made? I went into the bank and spoke to a manger and he told me he had no explanation on why bank staments had my ex husband mailing address, he then looked deeper and my ex husband changed his account to his new mailing address so Navy Federal changed my own personal account to his mailing address. They felt they did no wrong and if I wanted to withdraw my funds they would immediately give me my funds and conversation over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these accounts removed as they are in violation of the 1099.. a charge off is supposed to be charged as ordinary income.. so it is illegal for this to be on my consumer report. XXXX has removed these accounts now I need you TransUnion and XXXX to delete these following accounts : XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank XXXX This is aggravated identity theft! 
18 U.S. Code 1028A - Aggravated identity theft
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

Equifax : XXXX  Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX  Account Number : XXXX {$XXXX} XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

Paypal has participated in a person scamming me and is refusing to give me my money on another sale i made
Product: Debt collection

I XXXX XXXX, was an occupant on a lease for an apartment. The primary lease was in the name of XXXX XXXX and he joined the military forces before the lease was fulfilled. I paid my part of the re-letting fee and gave notice to the apartment complex that I had vacated the property 60 days prior to XXXX XXXX vacating the property due to military orders. The military Exempted his remaining fees on the apartment enlisting into the military. 

I discussed this matter with the apartment leasing manager and she assured me because I paid my 2 mts rent after vacating that nothing would be held against me because I was an occupant on the lease. Also due to XXXX XXXX joining the military this cost me undue hardship and caused me to have to move XXXX MI from my employment. Again the leasing manager informed me not to be concerned that none of this would affect me due to XXXX XXXX joining the military and exempting him and I from the lease. 

I have a Written Letter 60 days prior notifying the apartment complex that I would be vacating and I paid my 2 months rent as I was informed to do my the leasing manager.

I continually was informed by the leasing manager to not worry about this because it would not affect me due to the military involvement with XXXX XXXX and this would exempt Him and I from the remainder of the lease since I had given notice and paid my 2 months of the releasing fee prior to my move out. 

Now after 1 year this has hit my credit as a collections and impacting me and my employment and future leasing ability. This company has negatively affected my credit and lied to me stating as long as I paid after the rent after my 60 days notice that this would not impact me because this was a military leave issue. 

They are trying to collect from innocent people that joined the armed forces to protect our country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES FROM CHILD SUPPORT LISTED BELOW ARE THE INACCURACIES, DELETE IMMEDIAATELY FROM MY CONSUMER REPORT. 


XX/XX/XXXX BALANCE XXXX $ STATUS OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REORTED ( XX/XX/XXXX ) ( XXXX ). 

COUNTY OF XXXX XXXX BALANCE XXXX $ XXXX OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 


XXXX ( INACCURATE ) BALANCE XXXX $ STATUS OPEN, ACCT # XXXX, ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) ( XXXX ).