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

I was contacted very shortly after posting an appliance for sale on XXXX XXXX by a one " XXXX XXXX '', an XXXX user. Cautiously, I asked where the individual lived, and they simply replied " Virginia '', which is distressing when contemplating selling something like a clothes dryer. Virginia is a big state! 

Anyway, the individual requested to pay me via Zelle. After I'd provided my Zelle information, I was given a faked confirmation snapshot, which did not contain enough digits to be verified by Zelle. Upon mentioning this discrepancy, the individual instructed me to check my email ( I had not yet seen any transfer in my bank account or Zelle account activity ). In my Spam folder, there was a suspicious email from XXXX, an intentionally misleading address. The email read as follows : ___________________________________ Dear XXXX, Account Limit Zelle is a revolution in the way money moves. It's a free app that lets you send and receive money with almost anyone in minutes by working with leading banks and credit unions. 

You have a pending payment of {$150.00} USD We should be crediting your account now but we noticed the account has been limited and not a business account so it cant be credited so we need you to contact the buyer to send in the amount of {$500.00} USD to your Zelle account so it can be changed to a business account be credited immediately with {$650.00} USD into your account with a welcome bonus of $ XXXX, which the total sum of $ XXXX will be credited to your account immediately **PLEASE NOTE** Payment will not be credited to your account until refund of additional payment has been refunded for your buyer protection so neither the payer or the payee doesnt lose his/her money! 
You will receive a " CONFIRMATION EMAIL '' from our Zelle Team informing you that the funds has been credited to your account. 
___________________________________ I confronted the " buyer '' about how I had not received any money, and that it seemed very fishy. They denied wrongdoing. I blocked them permanently and reported the email as a phishing attempt. Please look into this individual, I worry they may have defrauded folks in the past, or could do in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -Because of -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # 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 XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  #, XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX Account name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a fraudulent collection account from XXXX XXXX that was also reported by XXXX in XX/XX/2022. 

I have filed a dispute with Experian and XXXX to have this file removed. My concern is that this has happened one year apart with two different companies for the XXXX fraudulent account. 

This lets me know that my information has been stolen, bought, and sold.
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. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit highlighting critical issues with the platform. Despite reporting multiple transaction discrepancies, neither my financial institution nor Zelle conducted a proper investigation. I was informed that recovering the lost funds was impossible and tracking the transactions was not feasible. The CFPBs findings show that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety.
Product: Money transfer, virtual currency, or money service

On XXXX I was trying to purchase cryptocurrency on the venmo application. Well trying to purchase some cryptocurrency from Venmo through the Vemo, app I was denied my transaction twice. And after the second time they suspended my account. They said that it was due to suspicious activity initially. I contacted the customer service department and spoke to a representative and tried to figure out what activity was so suspicious that was happening on my account. They could not or would not tell me. I did what they asked me to do in the email which was to send a copy, front and back, of my driver 's license as verification. I have done this every day since then and still nobody has been in contact with me. I talked to a supervisor who couldn't tell me anything except for one of their account specialists had to handle the situation and unsuspend my account. This has caused me great grief because that is my money that I worked hard for. I've had to go hungry for 2 days. And I am highly distraught and upset at this situation. Furthermore, I feel that venmo 's license should be pulled and they should not be able to do any type of business in the state of Ohio let alone in the United States at all.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX  used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. these fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXXXXXX XXXX first attempted to call my wife, using a blocked number. They then called me, also blocked number, regarding a debt that I have no recollection of for a large sum of money. The debt is supposedly from Citibank, a company I currently hold a card with, from 2016 ( outside of Texas statute of limitations, regardless of the fact its not mine ) Caller had multiple pieces of personal information, including my address, which he emphasized several times. He threatened to sue multiple times and declined to provide written proof of the debt, as they had already sent it. I have received nothing from this company. 

Call was terminated when called advised I was going to be served. 

I immediately called Citibank who advised they have no records of any debt owed to them or correspondence with this collection agency
Product: Credit card or prepaid card

I have always had excellent credit. 
Since the 2006 housing market crash banks have been chiseling away at all low interest cards. I had all fixed rate cards at 7-9 % interest. They have all converted to variable rate cards ( NOT BY CHOICE ). Same card numbers and now at 16-19 %. 
My credit score was only lowered because Obama 's bank bail out changed how credit scores are done. 
With the current covid issue the banks have not even stepped up to lower rates, I had already called all of my credit card companies and was able to reduce interest by 4 % for 6 months, before the covid issue, but have to call them every 6 months to have the reduction redone and then it takes a month to kick in and then repeat every 6 months.
Product: Credit reporting or other personal consumer reports

I am writing to dispued account on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT NETCREDIT/REPUBLIC BAN ACCOUNT NUMBER XXXX
Product: Checking or savings account

I was charged {$350.00} by XX/XX/XXXXafter my rental was returned and our affairs settled. I contacted the branch about the charge and was told they had no records of that charge and it must have been a different department used for tickets. I then called that department with the number supplied by the branch. I was told again no record of that charge.
Product: Vehicle loan or lease

There is a letter attached that explains my dilemma and the substantiating paperwork. Additionally what is briefly indicated in the letter is a prior complaint I had as it relates to their not honoring the extension promised after I paid all the late fees. I included copies of the confirming fax that I sent several times which claimed to have not received. I spoke with several representatives as indicated. There seems to be a systematic web of deception. 

This complaint is regarding my car having been repossessed and retrieved by me. They are still claiming I owe two payments. I have attached the proof that I paid.
Product: Credit reporting or other personal consumer reports

On My XXXX, Experian and XXXX Credit Report my name and address is incorrect on my credit report. I need the incorrect names and addresses removed. Also, the XXXX XXXX XXXX amount is incorrect. I have XXXX accounts on my credit that should be removed. I spoke to XXXX XXXX by phone to try to adjust this incorrect amount on my credit. It is still not updated correctly, and I need this incorrect information removed.
Product: Student loan

On XX/XX/XXXX I called Navient to discuss why the previous month they took {$690.00} from my account last month and schedule a payment for this amount for the upcoming month when I am supposed to be on the rate reduction program. I have been on the reduction rate program for a couple of years now. In XX/XX/XXXX I was sent paperwork to reapply which I filled out and sent back to Navient on XX/XX/XXXX. From XX/XX/XXXX until  now no one called to follow up on the paperwork like they normally do which triggered my phone call for today. 
Upon calling Navient I was transferred to five different departments and when I finally go to the correct department, a gentlemen got on the phone and told me that I was not eligible for the reduction program. He also told me that I was entitled to a refund since the full payment was taken from me last month " company protocol '' and wasn't sure why no one took care of it for me. Therefore when I asked " why I did not qualify for the program anymore '' he was unable to tell me so I asked to speak to a supervisor. Once she got on the phone she told me that I did not qualify for the program and when questioned " why '' she stated that the back office picks and chooses who qualifies and she did not know why or how I was chosen. And according to cooperate they are not offering rate reduction programs for people anymore. She had not options to offer me. And ended with that if I don't pay they will come after me legally. Then the phone call was over.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures alight with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing outgoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

The XXXX, Inquiry, and two charge offs reporting on my TRANSUNION credit profile ( see attached ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies ran unauthorized credit inquiries on me.. I did not give them the permission to inquire about my credit status..Please delete this misleading information : 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
Product: Credit card or prepaid card

When traveling to XXXX, XXXX in XX/XX/2023, my Chase credit card was incorrectly charged by a scammer on the beach. The merchant incorrectly charged the Chase credit card ( likely adding an extra XXXX, and more ), making the charge XXXX XXXX PESOS ( inaccurately charging my card {$500.00} USD ). The service was for XXXX beach chair day rentals and XXXX margaritas, which was supposed to be charged at the XXXX dollar equivalent of {$28.00} USD. 

The same week, I immediately saw the incorrect charge and reported it to Chase. Chase provided an immediate credit to my account honoring the disputed charge difference I had reported without an issue. 

Months later in XX/XX/2023, I received a letter in the mail from Chase that the dispute had been reversed in favor of merchant, with my case closed, and full dispute amount credit charged back to me again. Chase did this action without providing me with sufficient documentation or evidence from the merchant, or even an attempt to request more information from me before closing my case. Again, this was done 4 months after originally honoring the disputed charge. 

I have called and spoken at least XXXX different times with the Chase dispute team, upon immediately receiving the letter, in a means to correct this before filing a complaint, and was told by Chase the case has been closed and provided no additional assistance in this matter. 

There was no thorough receipt audit or investigation conducted by Chase, as there was XXXX no signature collected at time of purchase and XXXX no items/services listed or itemized on receipt. 
This merchant did not provide us with a receipt. Again, I did not consent to this charge of over {$500.00} USD. 

I am submitting a formal complaint, as Chase offers fraudulent transaction protection as a cardholder, however has not honored this, as they went back and reversed the decision to protect me against this un-consented credit card overcharge, without evidence to do so. With Chase 's current handling of this issue, any merchant could add any number of 'zeros ' to a credit card charge, without a signature or receipt provided to customer, and consumers would not be protected. 
Any thorough investigation would reveal that $ XXXX USD is a clear mistake and scam charge for a beach merchant to charge in XXXX XXXX XXXX for this beach chair day rental service and XXXX XXXX. This can easily be compared to other customary charges done in that region for similar services/purchases [ and other charges on our card during this time ]. 

Additionally I have included screenshots of reviews at " XXXX XXXX  XXXX XXXX '' ( XXXX ) from the same time of another impacted customers written review unfortunately at the same location of my scammed/incorrect charge. As well as a review of what the cost should have been, which mirrors what we were originally quoted for, and aligns more with costs in the region of XXXX, XXXX for regular and customary charges- for example, XXXX XXXX pesos for a rental, not $ XXXX USD.
Product: Credit card or prepaid card

Around XXXX of Last year. I noticed some fraudulent activities on my cards after realizing that my wallet was missing. I promptly called and reported said activities to Discover Credit Card company. My cards, all from Discover, were used to buy in different shops for an excruciating amount totaling {$1100.00}. The purchases were as followed : {$110.00} from XXXX NY XXXX, XXXX from XXXX XXXX  XXXX, XXXX from Everything But XXXX, XXXX from XXXX, XXXX from XXXX XXXX, XXXX from XXXX again, XXXX from XXXX. The credit card company, Discover failed to send me any resolution, after several calls and check-ups they finally sent me a resolution letter in which they stated that the purchases were not fraudulent. I called and demanded that they further the investigation and provided them with the police case number in which I declared my wallet stolen and reported the unauthorized card used/fraud that had taken place so they can have access to looking at XXXX footage of those stores and further their investigation. Until this date XX/XX/2021, I have not heard back from Discover nor received anything to inform me of the investigation. However, they put all the fraudulent charges back in my account and have been charging me interest because of them ever since. I have done all that was required from me yet I am being financially imprisoned and my credit score is being held hostage and is hurting because Discover 's investigation team, although with all the necessary tools to have a real investigation, have not done their due diligence to resolve the case.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have discovered inquiries on my credit report that were made without my authorization. After reaching out to the creditors responsible, they confirmed they have no records or evidence showing that I initiated these inquiries, nor did they receive any written or verbal consent from me. Given the lack of a valid basis for these inquiries, I am formally requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a new car utilizing GM Financial Funding in XX/XX/XXXX. From the start of my loan ( specifically the from the first monthly P & I payment ) I made timely payments ( including additional funds above my agreed payment amount the life of my loan. On XX/XX/XXXX the new vehicle I purchased in XXXX was involved in a total loss after my car was struck by another car. Shortly following the accident I reached out to GM Financial and indicated that I had been involved an in accident and I wanted to make them aware. As one would with an accident, I filed a loss claim with my insurance company who settled my total loss claim in XX/XX/XXXX, at which time funds were sent to GM Financial directly from the carrier in the amount of {$23000.00}. This was followed by a claim filed with my gap insurance company, who issued a payment of {$5700.00} issued directly to GM Financial. Lastly, I cancelled a dealer service contract translating into another check in the amount of XXXX. This check too was sent directly to GM Financial. During a discussion with two separate regarding overage payments made during my loan period, it was advised that I could obtain a payout of my overage. Please note since my first principal and interest payment in XX/XX/XXXX I paid over and above my agreed upon note payment amount, causing a surplus. The GM Financial associates I spoke with on two separate occasions In early XX/XX/XXXX quoted me two different amounts in which would be released. The second associate indicated the first associate I spoke with was releasing too little. I made it clear that I wanted to endure all incoming funds ( listed above ) would account for my full loan amount. In XXXX I received an overage payment which I believe led to me having an owed balance which GM Financial applied interest to - now requiring me to pay $ XXXX now - and which has been reported causing adverse action to my credit report. This all after I not only paid on time but over and above the amount owed monthly. I had a great experience with the purchase of my vehicle and would have suggested GM Financial to others. However this attitude of unaccountability is off putting. This is how you treat customers who have gone above and beyond the agreement. Additionally the folks I have spoken to in their customer care or loss/charge off area - continue to not listen or help. They rather keep telling me that $ XXXX is owed. Really {$200.00} is worth losing a customer. The last associate told me they do not have a complaint department, after being told that I could submit a complaint on their website. I was told on XX/XX/XXXX that all they do is log it but there is no one I could speak to or a complaint department. Rather I needed to talk to them because I owed money. XXXX down the tube to a company that is hounding me for {$200.00} that they released {$90.00} in error and charging me $ XXXX in interest.