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

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the CFPBs lawsuit regarding significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my claims to my financial institution and XXXX failed to adequately be investigated. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams including me.
Product: Checking or savings account

On XXXX  night, Capital One experienced a problem with one of its vendors. As of this moment, on XXXX  morning, I still do not have anticipated deposits reflected in my checking account
Product: Checking or savings account

I want to file a complaint against USAA. Some brainiac at this company has activated 2 step verification on my account. I know this because I had to reset my Iphone to factory default settings. However, I still have my username and password saved in my phone. But USAA keeps sending my verification code to a previous number that I don't have. I have been calling them since the XXXX of XXXX to the time I'm sending this email. I have spoken to multiple people including supervisors. 

Only to get a call from the verification department to tell me that my XXXX permit I.D . couldn't be verified, and to call back and ask for a XXXX XXXX XXXX XXXX XXXX  ) by a XXXX Consultor. The young lady I talked to before sending this email stated to me that the dept within USAA that called me were the ones that were supposed to ask me those questions. I have been trying to get them to change my phone number so the system can send the code to the right phone number. 

My reason for sending this email is because when I signed up for USAA ; I didn't need I.D . for verification. So, why should they have the right to ask me for PII to verify I am who I say I am after giving them my USAA #. When I signed up they used ( maybe ) XXXX or XXXX XXXX some other verification protocol. I don't feel comfortable sending my I.D . like this. 

USAA can't tell me how long it's going to be stored nor how my PII will be destroyed etc.
Product: Credit card

Since I have informed them, they have sent a notice via text to phone several times of a {$5.00} charge they cant put on card but they do it from XXXX to XXXX XXXX, I have missed 1 payment and still had available credit at that point. I am XXXX and cant turn my phone off at night for health reasons! I feel this is harassment.
Product: Mortgage

On XXXX an OPEN status mortgage is shown on my property that was taken out on XX/XX/2005. Total Amount = XXXX with outstanding balance = XXXX. The borrowers are XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Lender = American Financial Resources , Inc for a XXXX  year loan at XXXX  % according to Public Records, but no county level leans are showing on the Title preliminary report by XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, CA XXXX. Escrow No. XXXX. Contacted XXXX XXXX XXXX whom asked me if any fraud was involved in this Real Estate Transaction, so I explained the above info. The response was I dont understand. This is causing my transaction limits in selling AS IS distressed owner sale by my realtor XXXX XXXX, whom I have told this issue and his response was to sell my home to a resale business at a cut rate price XXXX under the agreed price of XXXX when XXXX  listed. This realtor has duel contracts as both buyer and seller realtor in this transaction. I have sought out legal help through legal referrals through the CA XXXX XXXX XXXX. The referrals response was I will not help you without referral for help from another specialized law firm.
Product: Payday loan, title loan, personal loan, or advance loan

I was told the payment information would be available online when I opened my account on XXXX XXXX. This was not true. I also was not able to see the documents and just was shown boxes to sign in the store. I felt pressure to accept. I was not given information of how much my payments would be and how much was principle or interest. My minimum payments keep increasing and the terms of the loan were not transparent. I called and was informed on XXXX XXXX, that this was intended to be a XXXX  day loan but rolls over monthly. This was not clearly communicated. This feels like a scam.
Product: Credit card

The monthly payment on my credit card is usually due for payment on XXXX of each month and I make my payments electronically through my bank, regularly on the XXXX or the first working day of each month. When I checked my statement online today, I found that my account has been accessed a late fee of {$38.00}. I further checked my previous statements, only to find that the company started accessing my account late fee as far back as XX/XX/XXXX. I spoke with one of the company 's associates on the phone. She indicated that I have been paying my monthly due amount too early than their billing circle. She agreed to remove only the late fee accessed for XX/XX/XXXX, without removing those accessed from XX/XX/XXXX-XX/XX/XXXX, nor the interests charged on the late fees. It is sad, rather for the company to praise my efforts at making payment ahead of time, I am being charged late fee. I think this is another form of fraudulent credit card charges, when someone is penalized for meeting ones obligation ahead of time.
Product: Debt collection

This collection agency XXXX XXXX XXXX employees were harassing me by phone and were following me at my place or work, waiting around my home since XX/XX/XXXX. the harassment was unbearable to the point where I had to do a private investigation. this is where I found that those harassments were coming from XXXX XXXX XXXX XXXX in Wy. they have 2 office in Colorado at the address of XXXX XXXX XXXX XXXX co XXXX and XXXX XXXX XXXX XXXX XXXX co XXXX. As soon as I got those information from my investigation I sent them a cease and desist letter by certify letter with return receipt on XX/XX/XXXX. up to today they never respond to me which is a proof that they were the hiding company harassing me. today XX/XX/XXXX I sent them another cease and desist letter by certify mail with return receipt through my investigation I found that they claim that I owe them some debts XXXX $ + $ XXXX. I do not recall doing business with them neither or had a contract and agreement with them. therefore I requested on my previous letter to sent me a copy with my signature on it of the contract or agreement that I had with them which give them the right to collect any debt from me, they never responded. I also requested a copy of any contract or agreement that they have with the original creditor of those debts which entitle them to collect them. they never responded as well. but the harassments continues. again XX/XX/XXXX I sent them the same cease and desist letter with the same contract requests. by law I have the right to remain free from those unlawful tactics of this companies used. they constitute harassments, stalking and etc. also under the FDCPa section 805 ( c ) it is my right to request them to case any so ever contacts. those requests was sent to their XXXX XXXX XXXX WY XXXX address. but since they know they do not have the right to collect any debts from me they still do n't respond to me neither stop follow me around or calling me. 
Reason why I am filing my complaint. this company have 2 offices in colorado one in XXXX XXXXXXXX and XXXX and they are a threat to the lifes of civilians in public
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bankXXXX credit reported me 30 days late for XXXX before my payment was due! Payments due on the XXXX of the month. I paid XXXX on the XXXX and XXXX on the XXXX. They keep saying they arent reporting me late for XXXX and my XXXX shows they are reporting me late. I paid extra in XXXX! I paid ja and XXXX early so how was I late in XXXX and my account shows a 50.00 credit because I paid more than was due trying to pay it down but they only allow full payoff!
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account Name : XXXX & XXXX Account NUmber : XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX XXXX  Account NUmber XXXX XXXX Account Name : XXXX Account NUmber : XXXX Account Name : XXXX XXXX XXXX Account NUmber : XXXX Account Name : XXXXXXXX XXXXS Account NUmber : XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to verify my accounts. After the company recieved the letters to delete false reporting information. They told me they felt all my information was accurate. 
Under 15 U.S. Code 1681I ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 

I did not give permission to any agency ( Experian, XXXX, XXXX, XXXX XXXX and XXXX XXXX ) to report any information ; especially inaccurate information. I have called numerous of times and sent numerous letters. failure by a consumer to provide sufficient information to investigate the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are making my XXXX the appear new as recent on my report in some of my information is wrong so my address is wrong And they're doing nothing to correct my XXXX XXXX
Product: Student loan

I was misled into paying for over priced school that has lost it accrediationn and closed down after going back to attend.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States have the rights privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX for someone else account I cant remember the judgment name but its on my credit report over 15 years as well as my credit score as not change since I was 18 years of age Im now almost XXXX this year and still cant buy a house or car because of these on my credit a lot of them address on there I never heard of and also my social security number has been compromised by many companies and I dont know how about going after them
Product: Debt collection

XXXX XXXX is attempting to collect a debt that is not mine. Possibly fraudulent account I have disputed this debt which was never validated as per the guidelines of the FCRA and FDCPA. This account should not be reported until credible information is obtained such as a contract bearing my signature assuming debt, a itemized copy of the bill reflecting how the balance was calculated, and confirmation that this collection agency has bought the debt or was assigned the debt and have a legal right to collect it from me under my jurisdiction and statutory rights. Please help me resolve this matter quickly and efficiently before any further damages are obtained.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security XXXX XXXX XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

A company named Receivables Performance Management has placed a false and fictitious collection that was previously filed by another collection company XXXX XXXX and removed back in XXXX 2016. This is the ongoing debt that was paid to XXXX XXXX when they installed my service. The initial installation had a defective receiver and they had a technician come out and replace it and he took the defective receiver with him. They billed and charged me for the defective receiver I never had. I made many attempts to get XXXX XXXX to reimburse me for overcharging me and they never refunded my money. In addition they falsely advertised they would send me a {$200.00} Visa gift card for signing up with their service, which they never delivered to me. I am attaching a copy of my credit card statement to demonstrated I was falsely billed and overcharged for their services. In addition I am attaching a copy of the XXXX receipt of proof the last receiver being returned to XXXX along with copies of the previous dispute in XXXX and correspondence with XXXX. I am not sure how a collection company can falsely attach a fictitious claim against me and not be held accountable for their crooked actions. Again, my statements are true and correct and you may contact me at XXXX or XXXX or XXXXXXXXXXXX to discuss the matter further.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove this fraud inquiry from my credit report
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 resolved. 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 align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing 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, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX  XXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Student loan

I, XXXX XXXX, signed my mother 's signature XXXX XXXX for a loan in 2007 that I received during my attendance of school. XXXX XXXX spoke with Key Bank, after discovering on her credit reports, which I was informed they were extremely rude and nasty about the matter that is why she resulted to complaining to the CFPB. I also contacted Key Bank and provided a letter informing Key Bank that I am completely liable for this loan. I am also attaching XXXX of the credit reports my mother provided me, showing that Key Bank has the XXXX account listed on her credit reports three times. She indicated Key Bank has it listed like that on all her credit reports. I signed for XXXX loan with them, so they should not be reporting the account as Key Bank XXXX under account number XXXX, then same account ACS-Key Bank account number XXXX, then a third time Key Bk XXXX. These XXXX accounts are the same XXXX account and my mother has notified them and they still display it as XXXX accounts on her credit reports. Key Bank is dishonest in saying that they tried to contact my mother with no avail, she spoke to their fraud dept. told me that is how they obtained her address in which they did not have. She provided her signature over and over to show that is not her signature, which she is correct, it is mine, XXXX XXXX. I have attached new information and previous information submitted by XXXX XXXX, that she provided me. She informed she is not only mentally exhausted but this stress has taken a massive impact on her health in which I am totally apologetic for. My mother is in the process of obtaining legal representation for Key Bank 's refusal to delete and for reporting the same account three times on her credit reports. Key Bank 's refusal to acknowledge that they have received the documentation to support this debt does not belong to XXXX XXXX. She also said she was baffled why they did not contact her as she has a fraud alert before allowing me the loan. XXXX XXXX never had any knowledge, never received any documents or signed nor did she receive any benefits in regards to the loan. As I have admitted prior, XXXX XXXX XXXX XXXX XXXX XXXX is solely liable. My mother has been through more than enough turmoil. As she stated prior she was dealing with my father and only sibling battling with XXXX and I did not want to ask her to sign for the student loan, so I signed, which I had no right or permission to sign my mother 's name XXXX XXXX XXXX XXXX or provide her information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting these information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

In 2015, I was in a really rough spot financially and got very behind on my student loan payments. I have since then, gotten in contact with my lender to establish a payment plan within my budget. But because of my rough patch in 2015, my credit score is struggling from all my missed payments.
Product: Credit reporting, credit repair services, 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 1681. 


XXXX XXXX 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.