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 consumer safety all around the country.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. And debt cards. XXXX  XXXX two cards. XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX card. I have called these companies and explained my my ID was stolen and I didn't make all of the charges. They said I'm lying and need to pay my bills. Most of the accounts were getting hacked by a XXXX XXXX account which I have never done any business with in my life. I filed a report with the Ftc XXXX. In XXXX. Never heard a thing back. Had close to XXXX credit b4 now in lower XXXX range. I'm not going to pay a XXXX  to these credit cards. That I did not run the credit up on. Thank you for your help
Product: Debt collection

I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Debt Collector : Date Opened : [ XXXX  ] Date Closed : [ XXXX XXXX XXXX ] Date Account Sold : [ XXXX XXXX XXXX ] Date Charged-Off : [ XXXX  ] Date of First Delinquency : [ XXXX  ] Date of Last Payment : [ XXXX  ] Balance : [ XXXX XXXX ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, XXXX ACCOUNT # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are currently appearing on my credit report. After reviewing my credit report, I have found several accounts that I have no recollection of ever belonging to me. I am requesting that these accounts be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and the credit reporting agency is required to investigate and correct any errors or remove any information that can not be verified. 

XXXX XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXXXXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

I appreciate your prompt attention to this matter. Please provide me with written confirmation that these accounts have been removed from my credit report, in accordance with the FCRA. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX This letter serves as formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to GS BANK USA-XXXX XXXX XXXX XXXX XXXXXXXX appearing on my credit report is inaccurate, unverifiable, or incomplete. 

I submitted a dispute regarding this item to XXXX XXXX XXXX. 
To date, you have either failed to : - Respond within the 30-day investigation period as required under FCRA Section 611. 
- Provide sufficient documentation verifying the accuracy of the account, or Correct or remove the inaccurate information from my credit report. 

Your actions ( or lack thereof ) are in direct violation of the FCRA and have resulted in harm to my credit profile, financial standing, and peace of mind. 

To resolve this matter amicably and avoid further escalation, I demand the following actions be taken immediately : 1. removal of the inaccurate account from my credit report. 

You are required to respond to this letter within 15 days of receipt. 

Failure to comply with this request will leave me no choice but to pursue legal action. I will seek remedies available under the FCRA, including statutory damages, legal fees, and court costs. 

Delete account for violations 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1692j . Delete account from my credit report because it doesnt belong to me if you can not prove validity of this account remove it.
Product: Checking or savings account

My name is XXXX XXXX I have already submitted a complaint About Bank Of America Freezing and keeping my money {$9000.00} dollars that I Have tried Multiple times to personally resolve issue by Providing documentation on how I legitimately received the money I called many Multiple times to customer service spoke to I believe every department from fraud to risk dept, cheak holding, ect.ect. Ending up with the same outcome everytime No Clear explanation or Answers as to where my money went or why I have yet to get it back because of this I have become Homeless Not having access to this money I was unable to pay rent and myself and my XXXX yr old son have No Home And Struggling to find housing FOR this reason I am in Desperate NEED and Want My Money I already have a complaint filed to Bank Of America which their response was they are working on it they have been working on my issue since XX/XX/2021! What is there more to work on? My original account was frozen and closed after their " investigation " to where they found Nothing proving the money was gained fraudulent ANYHOW they keep saying they are working looking into it and honestly I see no problem to keep looking into? I was contacted via email from a XXXX XXXX who claimed would be my point of contact until issue is resolved she provided a phone and extension to reach her but when I call it is not reachable number so I tried getting a hold of her through customer service and was advised she would contact me the following day it has been XXXX  days since then and I have yet to receive a phone call or email from her or anyone I feel I am still getting the run around and my issue is not being addressed seriously which I believe it should being my son and I are homeless and need my money back I also feel that my next approach should be civil suit for loss and damage I really hope Bank of America would acknowledge the severity of my issue and address it Thank you once again. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have an XXXX advance and I asked if I could pay it in early XXXX as I am changing jobs and my paychecks will be weird for a bit. Them forcing me to pay it now would preclude me from paying rent. I was in contact with a customer advocate and he told me because I once had an extension I can not have another. He would not entertain any other solution and was disgustingly rude.
Product: Mortgage

As a mortgagor sent the check for XXXX XXXX  monthly payment due via the United States Postal Service, two weeks before the payment due date. On the due date, we received communication from the mortgage loan servicer who told us payment had not been received. We immediately arranged to pay the monthly payment electronically which the loan servicer posted that same date. We also arranged and told the servicer that we would be placing a " Stop Payment Order '' on the check that was lost in the mail. The servicer despite our warning about the mailed check received it the day following the due date and attempted to deposit it. Naturally, our bank refused to honor the check. The loan service then imposed a {$50.00} dishonored check fee on us. We dispute the fee and any and all fees or charges related to this transaction. 

Refer to uploaded copy of the letter of XX/XX/2024 sent to the loan servicer.
Product: Credit reporting or other personal consumer reports

I see that TransUnion and XXXX are reporting XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting a bankruptcy on my consumer report that is not accurate they claim they verified the information but how did they verify it and XXXX stated that the information was incorrect and the removed. So I would like to know how did the credit bureaus verify the information?
Product: Debt collection

XXXX XXXX is attempting to collect a debt that is not owed. XXXX XXXX was deleted from my credit profile in XXXX and was proven invalid. It is now back on my credit report, under a different debt collector name. Please advise
Product: Credit reporting

The following information is incorrect : under PUBLIC RECORDS, it shows : Docket # XXXX - XXXX- Federal Tax lien for {$7100.00}. 
and Docket # XXXX - XXXX - Federal tax lien. 
These tax liens are associated with address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I never lived in that address and the tax liens should not show on my credit report. Please verify the social security number associated with the tax liens, and take them off my credit reports. The name, address, social security number associated with the tax liens in XXXX XXXX, XXXX are NOT mine. May name is simply XXXX XXXX and I live in XXXX. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the immediate deletion and removal of the accounts and information listed below from my consumer report. Reporting these accounts and information is a direct violation of the FDCPA and FCRA, and it is imperative that they are removed promptly to comply with the applicable laws. Please take immediate action to delete and remove these accounts and information from my consumer report. Thank you.
Product: Credit card

Chase Bank closed all 3 of my credit cards. They claimed to have mailed me a SA89 form to verify my social security number. I never received a letter or any messages or alerts on my Chase online account. It has been XXXX months since I downloaded a SA 89 form online and faxed in my social security information. It has NOT been resolved and every time I call, I can getting transferred to different departments and most of the time, no one knows how to resolve the issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I went in to Advance America to obtain a loan for bills since I had just moved to the area. I filled out all the paperwork including giving her a blank check with the amount I needed. She let me think I was approved by asking for references and telling the amount I was able to receive. By the end of the process which took an hour I was told that I was denied due to my credit history.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. Despite of the previous written requests, the following fraudulent items are still remains on my credit report in violation of Federal Law. The Three Credit Bureaus failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, which given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ;XX/XX/XXXXXX/XX/2023XX/XX/XXXXXX/XX/XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXX/XX/XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XX/XX/XXXXXXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XX/XX/XXXX
Product: Credit card or prepaid card

I was approved for payment protection protection due to my lost wages from covid 19 and 1 month after payment was was delivered to my account account was mysteriously closed without informing me account has been closed unjustly and illegally creating a negative remarks on credit report I paid Monthly fees to be able To use this option of needed toaccount for this company and has been what does it cost me for over aover here no resolution has been made company not performed due diligence and I am forced to reach out to the bureaus for help
Product: Credit card or prepaid card

I was not alerted that they closed my account. I was told that it was because of my " creditworthiness ''. I owed this company no money. My account was at {$0.00} and was owed {$100.00} credit. I believe my account was closed because I was not making the company any money. Additionally, when I asked that the service member provide their full name they refused because of " security '' purposes.
Product: Payday loan, title loan, or personal loan

I took a cash advance from this company in the amount of {$1700.00} on XX/XX/2020 and paid it back in full today, XX/XX/2020. I had the loan for 16 days and was charged over {$450.00} in interest which amounts to an APR of over 650 %. The APR I was quoted was 299 % which is bad enough. This company preys on individuals who find themselves in bad situations for whatever reason. Then, they charge more than twice the interest certainly that I was expecting. I dont see why these types of companies are even allowed to do business in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX  you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}.
Product: Credit reporting or other personal consumer reports

Please check information concerning the Equifax data breach below in attachments