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

On XX/XX/XXXX I opened an account with XXXX XXXX XXXX and transferred {$10000.00} into it, on XX/XX/XXXX I received confirmation they had my money and it showed up on my XXXX XXXX XXXX  dashboard. On Thursday morning XX/XX/XXXX I went to the XXXX XXXX XXXX dashboard and my {$10000.00} was missing. XXXX XXXX XXXX can not be contacted by phone, so I had to submit a support request via email at XXXX XXXX central time at XXXX XXXX XXXX responded that UMB their banking partner had closed my account to fix a problem ( no one informed me ) and were opening a new account for me ( no one asked me ), which should be done by the end of XXXX week. The problem is and was no one contacted me about a problem with my personal account or money and asked me for my permission to close/change my account and all I knew was my money was missing as it was not in my bank account and was not on their dashboard, my money was missing and no one could show me where it is. I tried talking via phone calls to XXXX  who has my XXXX ( different division ) and UMB Bank ( who fulfilled their obligation by informing XXXX XXXX XXXX ) who took my money somewhere without my permission and could not get anyone to show me my money, it was in corporate limbo. I informed them I had not given anyone the authority to close/change my account and I wanted my money back and to close my account after multiple phone calls and emails I was assured that my money would be back in account in 1 to 3 days, it is still missing and no one can tell me where my money is.I am XXXX and can not believe working in a related banking business for 47 years that they had any right to close my account for any reason without my permission. Waking up with {$10000.00} of my money missing was and is very stressful and I can't believe they had authroity to do so, please don't let this happen to anyone else and please help me get my money back.
Product: Credit reporting or other personal consumer reports

DEPT ED XXXX XX/XX/2024 {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
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 recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle, numerous times and reporting discrepancies, my finance institution, and Zelle failed to communicate my claims adequately. They informed me that recovering lost funds were impossible and recovering these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers But has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. The 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

Company failed to provide verifiable proof ( an original consumer contract obtaining my signature ). Under the the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), companies are REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION of the SIGNED consumer contract. Report is still inaccurate as it reflects my employment history as a XXXX XXXX XXXX at XXXX, yet I do not possess a XXXX or XXXX certifications to fulfill the state 's requirement to XXXX  XXXX. DELETE ALL ACCOUNTS NOT VERIFIED THROUGH SIGNATURE OF SIGNED CONTRACT. A PAST DUE BILL OF THE ACCOUNT AS VERIFICATION DOES NOT SUFFICE.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX XXXX XX/XX/year>
Product: Credit card

I noticed a fee charged to my best buy credit card as Debt protection. I only use this card for large TV purchases and have the account set up on paperless billing and automatic payments so I rarely view my statements. I contacted Best Buy regarding this charge and that is when I was told that it has been on my account since XX/XX/XXXX when I opened my credit card with them. I advised them at the time when I opened this account that I do n't qualify for this services because I am considered self-employed as an independent contractor and declined the protection. I worked as an independent contractor from XX/XX/XXXX to XX/XX/XXXX. I believe that they falsely enrolled me into a services knowing that I did n't qualify for there benefits and by them enrolling me into paperless billing is an easy way that this charge goes unnoticed. There were numerous months were I did n't have an income since I was an independent contractor and work was slow I was n't given any information that these benefits I am extremely upset that I trusted this company that they would n't steal from me. I have since requested proof of my acceptance of this service and a full refund of all monies charge to my account. It is unclear how much I have been charged over the years since I do n't have access to view older statements online and I have always been enrolled in paperless billing. However if they charged my account without permission I have little faith that they will correct these matter to my satisfaction. If I have too I will seek legal action.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that TransUnion remove XXXX XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX is not listed in the XXXX XXXX XXXX as having proper certification to collect debt or engage in any financial transactions in the state of Ohio. 

Account # NO ACCOUNT LISTED Additionally, according to 15 U.S.C. 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX as of XX/XX/2022 about this issue of them having the wrong person in this bill. I have filed the FTC report for identity theft and have not gotten a response from them on this. I have made MULTIPLE calls to them in which they have given me contact emails and numbers that DON'T work!
Product: Debt collection

The collection agency is Transworld Systems Inc. and The Ref. No. is XXXX. 
The apartment management at XXXX XXXX XXXX. in XXXX, XXXX was given notice of my intention to move out in 14 days back in XX/XX/2019 with lease ending XX/XX/2019. On and off for over 3 years rats would infest the attic of my studio apartment. Traps would catch some and at times the maintenance would pull out a foul smelling dead rat. The dried fecal matter would get in the air of the living space. The actual opening for the rats entering was never closed. I moved out at end of XX/XX/2019. 
I have provided letters and calls to TSI inc. I have been threatened with lawsuit and damage to my credit. The rent was {$940.00} and added on was late charges and expenses. 
The environment was not safe for living due to disease carrying particles left behind by the rats and continued infestation. Total debt efforts has been about {$2500.00}. 
I wrote a letter formalizing my dispute of the debt and if it should be turned over to others or the bureau, it is under dispute. I have received via mail a print-out for debt and charges I dispute.
Product: Credit card or prepaid card

I filed a dispute with my credit card company in the amount of XXXX from XXXX XXXX because XXXX XXXX  sent me and incorrect order I had ordered two sleep shirts a XXXX XXXX and a XXXX sleep shirt how ever I only received a XXXX sleep shirt and the other item I received was incorrect and was a sweater not a sleep shirt so I returned the incorrect item back to XXXX XXXX they were supposed to refund me the money for the XXXX XXXX sleep shirt I never received and also give me and additional XXXX for the return shipping label since they said they were sorry for sending me the incorrect item so on XX/XX/XXXX capital one sent me a temporary credit and as of XX/XX/XXXX capital one rebilled me the XXXX which is wrong because I sent the item back to the merchant and also the merchant never refunded me back for the returned incorrect item the merchant even sent me a letter via mail saying I owe them the XXXX that I disputed with my credit card company so the merchant in reality got there merchandise back plus got to keep the XXXX since the credit card company rebilled me and I got nothing out of it I have a tracking number to prove that the item was sent back to them I've attached a letter from the merchant aswell as a tracking number
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Formal Complaint Against United Wholesale Mortgage for Consumer Rights Violations To Whom It May Concern, I am writing to file a formal complaint against United Wholesale Mortgage for violations of my consumer rights. These violations have caused significant financial harm and damaged my credit. I have been forced into three mortgage modifications due to their intentional payment reversals and mishandling of unapplied funds. Below, I detail the transactions and their categories. 

Complaint Details : Unapplied Funds Transactions XXXX. XX/XX/XXXX Amount : {$500.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$660.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$500.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$94000.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$3700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$3900.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$550.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$550.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$1200.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$1200.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$1100.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$1500.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$700.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount : {$2000.00} Type : Unapplied Funds Date Received : XX/XX/XXXX XXXX. XX/XX/XXXX Amount :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

My father passed and my siblings and sold the house. My share of the proceeds from the house were wired to me to my cash app account. Cash App declined the transaction. They have yet to actually return the wire transfer to the sending bank. They have given me no answers and will not help. I have asked for the federal transfer number and the only said it will be returned in 48 hours this time has passed. The transaction is {$10000.00} and cash app seems to be keeping the money. XXXX XXXX of XXXX XXXXXXXX Indiana said the transaction completed and was not declined.
Product: Money transfer, virtual currency, or money service

Zelled somebody some money on accident and was not promoted with are you sure message. Feature was added years later.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX from XXXX XXXX XXXX here in XXXX, SC with Gap insurance included at the time of purchase on XX/XX/XXXX. On XX/XX/XXXX, my XXXX old son and I were in a terrible auto accident on the way home to pickup my other XXXX children ; My son and were T-boned out of nowhere and I was not at fault. My XXXX XXXX XXXX was totaled and towed to a junk yard. I contacted Ally the next morning advised them of the accident and I spoke to a representative about my Gap insurance coverage. The representative stated that anything left over to Pay my Gap insurance would cover as I did have the coverage. I also contacted my Attorney, gave them the number to Ally financial the lien holder. Ally financial went to the junkyard picked up my vehicle before the adjuster or the insurance companies could go look at my vehicle. Thank God I took pictures before Ally financial went to the junkyard without my knowledge. Ally financial picked up my vehicle and sold the parts. I wasnt notified of this until I received a letter on XX/XX/XXXX. Stating that it was repossessed and sold on XX/XX/XXXX and I owed {$26000.00}. I didnt understand, because my vehicle was a total loss. My attorney sent a copy of my Gap insurance total loss addendum to XXXX XXXX XXXX XXXX ; Including a letter stating my vehicle was a total loss confirmed and notified to all parties by XXXX, the insurance company of the other party that was involved. Ally financial stated that they canceled my Gap insurance in XX/XX/XXXX. I was never notified by phone or letter. I called multiple times to different departments to Ally financial about my Gap insurance. I transferred to many departments as well as my attorneys paralegal. Once the case was finalized by a judge my auto accident was ruled out a total loss here in the state of SC. Ally Financial is still reporting on my credit as a repossession and a balance still owing {$9300.00}. This shouldnt be on my credit report at all and I would like to have it removed, this has caused so much hardship on me and my family. Im still unable to purchase a Vehicle at this time. Thank you
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my credit that are not mine. I do not recognize these accounts and inquiries, and have never incurred debt with these creditors. I do not know where they came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX5 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you